The early part of your financial journey is hard to beat.  You're independent.  You're making money. You're getting set-up. You're travelling. Life couldn't be better.

But if you really want to get ahead and achieve bigger financial goals, you'll need to establish some good money habits early with a bit of financial planning.

That's where talking to an adviser from BW Financial Advice can help.

They're not the stiff-shirt types who'll talk down to you.  They're straight-talking, friendly people who'll help you understand your options and choices, then put together a financial plan for you to follow.

Just some of the areas they can help you with include:

Super and your tax
Managing Your Money Now You're Working
(Financial) Planning A Life Together

Super and your tax

When you work hard, it's better to keep more of your income.

An adviser from BW Financial Advice can suggest some straightforward steps to help you manage your super and not pay more tax than you need to, such as voluntary super contributions, salary sacrifice or applying for government super co-contribution. 

Managing Your Money Now You're Working

Congratulations.  You've landed your first job. 

Maybe you'll think about moving out of home.  You might start saving for something big like a car, holiday or even your first property.  It's an exciting time.

Talking to the BW Financial Advice team can help you to develop the positive financial habits that will help ensure those times continue.

Talk to us soon for help establishing a savings plan or ways to boost your super. 

(Financial) Planning A Life Together

Have you just started hearing wedding bells?  Or have you just walked down the aisle?  Is that the sound of tiny feet down the track?  Or just down the corridor?

Whatever your situation, if you're planning a life together, or moving on to planning a family,  you'll need to work out what your dreams are and how to make them happen.

Talking to each other and one of our financial advisers is an important step. They  can offer advice regarding:

• Preparing a budget
• Building wealth by investing
• Ways to manage your super and not pay more tax than you need to
• Setting up an education savings plan
• Making your future safer with income protection insurance

The information contained on this web page has been prepared by BW Financial Advice Limited, who is the provider of financial advice services.  It is of a factual nature only and is not intended to constitute financial product advice and has not taken into consideration your individual objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information. In addition to reading the Financial Services Guide for this website which can be accessed below, please ensure you have read the Financial Services Guide for BW Financial Advice Limited relating to this page which you agree to be provided by accessing this link. Bankwest customers who wish to obtain information about investments may do so by contacting a BW Financial Adviser who can discuss developing a financial plan that is right for you. BW Financial Advisers are Representatives of BW Financial Advice Limited ABN 97 097 084 878, AFSL 230727 ("BW Financial Advice"), which is a related entity of, but not guaranteed by, the Bank of Western Australia Limited ABN 22 050 494 454 ("Bankwest"). Services provided by BW Financial Advice are provided on its own account. Bankwest provides a referral service only and is not liable for any loss, damage or liability of any kind arising from services provided by BW Financial Advice. BW Financial Advice is not an Approved Deposit Taking Institution and, except where you may acquire a Bankwest product as a consequence of a recommendation made by BW Financial Advice, an investment which may be recommended to you or made by you through BW Financial Advice will not be a deposit with or a liability of Bankwest.