®

Real world full picture financial advice®No matter what stage of life your’e at...

Sapience, our team has the necessary qualifications and authorisations so we can advise you in all of these financial areas.

"Financial life can be complicated when you don't have the

instructions"

Field of expertise Financial Planner

Risk Adviser

Mortgage Broker

Real Estate Agent

Sapience Adviser

Advice on real estate investments and investing in real property

Provide and structure a mortgage

Provide personal advice on life insurance

Provide personal advice on income protection insurance

Provide personal advice on critical illness and keyperson protection

Provide personal advice on managed investments

Provide personal advice on asset allocation strategies

Provide research & tailored advice on direct property investment & how it can be integrated with existing financial plans

Provide assistance in buying and selling property

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Advice on real estate investments & investing in real property

Provide and structure a mortgage

Provide personal advice on life insurance

Provide personal advice on income protection insurance

Provide personal advice on critical illness and keyperson protection

Provide personal advice on managed investments

Provide personal advice on estate planning

Provide personal advice on protecting special needs children through insurance & future planning

Provide personal advice on asset allocation strategies

Provide research & tailored advice on direct property

Provide assistance in buying and selling property

Real Estate Agent

Mortgage Broker

Risk Adviser

Financial PlannerWho does it better Sapience

Adviser

Investing in property

"We'd attended quite a few seminars and thought we knew it all. Our accountant said it was always worthwhile getting a second opinion so we met with Drew. The questions he asked us, we had honestly never considered before. Not only did we learn about property as an investment we also learnt how it interacted with the rest of our financial life. We now tell friends to forget the seminars and to go and get a qualified Financial Advisor, have some serious one on one time."

– B & L Townsend, Sussex Inlet

Enormous mortgage

"The bank's financial planner only wanted to talk about putting more money into our superannuation – that may be great for the future but it does not help us now. We shared our frustration with Drew and his team and they restructured our income protection insurances to be paid from our superannuation fund rather than our monthly wage... an additional $6,000 a year... freeing up our cashflow to pay off more of the mortgage each year."

– M & S Stevens, Seven HillsMade money on every property

"I have made money on every property that Drew has recommended."

– KP Western, Sydney

Drew saved me"Drew saved me from buying into a Strata block that not only backed onto a railway line (that wasn't on the original plans that the salesman had) it was also in an economiclly distressed area with a remarkably high crime rate with domestic abuse. What was I thinking? I suppose I wasn't until I met Drew."

– S Thomas, Turramurra

He is now a qualified and licensed Financial Planner, Risk Adviser, Real Estate Licensee and Credit Representative (Mortgage Broker). This means he is legally qualified and has expertise in just about any financial area you'd like to talk about.

Young family

"We did not have spare cash for life insurance or income protection insurance. It was always in the back of our minds but seemed too hard. Drew showed us how we could have the high quality income protection and life insurance paid from our superannuation fund – the real quality blue ribbon stuff, not like those ones you see on TV infomercials – that we knew we needed but didn't think that we were able to afford."

– M & B Boorer, Castle Hill

First home

"As a self-employed guy I never really knew where I stood with the banks and buying my first home was such a big step. Thank you so much for being patient with us and walking us through all those extra steps with the first home buyer grant that nobody else seemed to be able to ex-plain properly."

– Luke & Lisa, Concord

Self-employed

"I never knew that a self-employed couple with 3 leases, 2 credit casrds, 3 loans and 4 kids could be so hard for the bank manager, (we had to wait four days for an appointment with him too!). Drew, you and your team delivered the goods when we needed someone who understood what we didn't." – Terry & Cynthia, Penrith

Talk to Drew about

Investment advice

Investing in property

Risk Protection strategies

Major life event

Other

TaTalklk to Drew abobouut

Investment Advice

Investing in Property

Risk Protection Strategies

Major Life Event

Special and Additional

Needs Planning

Small Business Protection

Other ______________

• Real Estate Licensee

• Credit Representative

(Mortgage Broker)

For over 15 years, I've been helping people to take control of their financial situation – regardless of their age or where they are in life. If you can relate to any of the information in this brochure and would like a complimentary, no-obligation chat, please give us a call.

I had to start my life over again–but this time with a much healthier lifestyle and work habits. No one had ever taken the time to explain to me the value of financial advice, how to protect myself and my future with professional insurance, about choosing stable investment strategies, and how much they all interacted with my life.

realinvestment.com.au

®S

AP

I E N C E . N E T . AU

www.peoplebefore pockets.com.aumail@sapience.com.au

Sapience Corporation Pty. Limited and Drew Browne, AR 275198 & AR275199, are authorised representatives of Affinia Financial Advisers Limited. AFS Licence 237857.

TAID 1033. This document was produced in February 2013. © Copyright Sapience 2013.

PERSONAL INSURANCE FOR MEDICAL PROFESSIONALS

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