Money Management /

Financial advice in your 30s and 40s

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With many people choosing to get married and/or have children later in life, your 30s and 40s are often the time when you start thinking about ‘settling down’.  

By now you’re probably well established in your career, which can help you afford a great lifestyle.

The big challenge is how to maintain that lifestyle when it comes time to take on more debt, or take time out of the workforce to raise a family.

What financial advice can do for you

A financial planner can help you get a clearer picture of your current financial position, so you know exactly where you stand. Better still, they can help you put strategies in place to prepare for the next phase of your life.

Some of the common ways a financial planner may be able to help include:

  • Managing your debts – helping you eliminate non-deductible debt and use deductible debt to grow wealth.
  • Upsizing the family home – helping you manage the cash flow impact of a new or bigger mortgage.
  • Preparing for children – putting a savings plan in place to help you manage the costs of raising and educating children.
  • Taking control of your super – ensuring your super accounts are consolidated and invested in a way that will meet your long-term goals, without paying unnecessary fees.
  • Protecting your lifestyle – reviewing any existing life insurance you have and making sure your income and dependants are protected if you become seriously ill or injured.

Not all of these strategies will apply to everyone. But the benefit of seeing a financial planner is that you can get personal advice that’s tailored to you – so you can be confident you’re doing what’s best for your future.  

Speak with an IMB Financial Planner


IMB Financial Planners are Representatives of IMB Financial Planning Limited ABN 23 094 730 195 AFSL 234 660. IMB Financial Planning Limited is a wholly owned subsidiary of IMB Ltd trading as IMB Bank ABN 92 087 651 974. Australian Credit Licence/AFSL 237 391.

Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 140 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking, financial planning and can arrange a wide range of insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

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