Money Management /

Financial advice in your 30s and 40s

Attention: open in a new window. Print

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.  

Why choose us?

Established in 1880, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.

Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

Find out more

Whenever, Wherever Banking