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IMPORTANT: This site provides educational information only. It does not provide legal, financial, medical or commercial advice and by using this website you acknowledge this. This site provides practical general information and doesn't take into account your individual circumstances. Any information presented can give you a general idea of some of the options available to you but you'll still need to work out what’s appropriate for you.

Always get professional advice—and we'd love to help you with that.

Important information:

Content Disclaimer

Sapience would like to welcome you to this website. We have worked hard to make it as user-friendly and informative as possible. When viewing the pages of this website, you acknowledge you have read and accepted our Disclaimer and Terms of Use.

The information on this website is provided "as is" and for general information only. Sapience has provided this information for the benefit of users in good faith and with reasonable care. However, errors and omissions in this website and the information on it may occur from time to time and Sapience does not guarantee the website will always operate or be error free. Accordingly, to the maximum extent permitted by law, Sapience does not accept any liability for the use of or inability to use this site, or for any loss or damage which may directly or indirectly result from any opinion, information, advice, or representation or omission contained on this website.

Financial Advice

We never provide financial advice without first considering a person's individual circumstances and all our financial advice is provided in a written form inside a Statement of Advice document (SoA).

  • 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. They will be acting on behalf of the AFSL if they recommend financial products to you later after considering your circumstances.

Financial Services Guide

  • You can download the Shartru Financial Services Guide (Part 1&2) (FSG & ASG) here.
  • You can read their Privacy Policy and Collection Statement below.

General Advice warning

General advice is a recommendation or opinion about a financial product that is not tailored to your personal circumstances. This advice won't consider your personal circumstances, such as your: income, expenses, needs or goals.

Just to be clear: 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.

And just while we're on the topic of who is responsible for what, and who provides the very helpful information on this site, the Good Advice in our Blog is compiled by the complex mind of Drew Browne (unless otherwise stated or linked to its author) and not by our AFSL.

  • We do not host paid promotional content and do not use affiliate links to gain revenue.
  • When it comes to any case studies or examples used, they are all composites and amalgamations of people and events so no individuals or circumstances are identifiable.

Sapience Privacy Policy

The right to privacy is the core of a civilized society. The idea of human rights is based upon honouring the importance of peoples inner experiences (United Nations 1948). Human Rights defend peoples right to feel valuable and good inside, not just safe on the outside.

'No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor attacks upon his honour and reputation.' - Universal Declaration of Human Rights

Professional Memberships

Sapience holds relevant professional memberships.


Recognition of Sex and Gender

The Sapience Group of diverse brands recognise individuals who may identify and be recognised within the community as a gender other than the sex they were assigned at birth or during infancy, or as a gender that is not exclusively male or female. Persons with diverse sexual orientations and or diverse characteristics are encouraged to identify as they so choose. Where sex and/or gender information is collected and recorded in a personal record, individuals are given the option to select M (Male), F (Female) or X (Indeterminate/Intersex/Unspecified).


The Sapience Group where possible use eSignatures (electronic signatures) to save our clients time and preserve their privacy. Our eSignature platform is managed by DocuSign. Electronic Signatures have been recognised by law in Australia since 1999, with the passage of the Electronic Transactions Act. Additionally, the Insurance Contracts Amendment Act 2013 (Cth) specifically allows for the use of electronic communication.

Websites Terms of Use

See our Website Terms & Conditions of Use here. The website, assets, and IP are used under license from the respective owners and not the property of the domain lease holder.

Refund Policy

For all legally drafted documents: If a Client is unsatisfied with the legally drafted document the Client has purchased from Sapience, the Client may notify Sapience Financial within 30 days of the initial point of purchase for a 100% refund of the legal document creating fee, charged to them for documents they do not intend to use.

Trauma-Informed Organisation (TIO)

Sapience is a purpose-designed Trauma-Informed Organisation. (TIO) This means we have reconsidered and evaluated all the components of our financial advice system through an understanding of the impact of violence and Trauma-Informed in the lives of people and those we seek to serve.

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

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


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