Money Management /

Financial advice in your 40s and 50s

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With your career and family life in full swing, your 40s and 50s could be the busiest years of your life.

With so much going on, it’s easy to slip the finances into cruise control and just ‘get by’.

The danger of this approach is that you could be missing out on vital opportunities to improve your quality of life – not just now but in the future.

What financial advice can do for you

A financial planner can help you take control of your finances, recommending a range of strategies that will help set your family up 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.
  • Building assets outside the family home – helping you use some of your disposable income to build wealth for the future that’s not tied up in the family home.
  • Paying for children’s education – putting a savings plan in place to ensure you’re able to support your children the way you want to.
  • Boosting your super – using a salary sacrifice strategy to reduce your taxable income and grow your long-term savings.
  • 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 making the most of your opportunities.

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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