By the time you hit your mid-to-late 40s, you should be pretty well established.

You are probably managing the costs of day-to-day living including a mortgage, children and holidays. But you also need to look ahead, with some financial management, so that you can retire comfortably in the next 10 to 20 years.

So if you haven't built a relationship with a financial adviser yet, it's time to get cracking.

Financial advice doesn't have to be expensive. But, there's one thing for sure, not getting it can cost you.

Super and your tax
Building And Protecting Investments
Planning On Retirement
Retired Or Retiring Soon
Looking After The Next Generation

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 to not pay more tax than you need to, such as voluntary super contributions, salary sacrifice or applying for government super co-contribution.

Building And Protecting Investments

As you move through your 40s and into your 50s, you may need to revisit your investment strategy and financial goals.

By now your superannuation nest egg will be starting to grow to a meaningful amount of money. You may soon be able to pay off your house. You may have also started to build an investment portfolio.

An adviser from BW Financial Advice can review your unique set of circumstances, and help devise the next stage of your financial plan.

Planning On Retirement

What do you want to do when you retire? Dine in a 3-hat restaurant? Throw on a backpack? Learn to paint?

Whatever it is, you can be sure it'll cost money.

How much you have will depend on:

• the income-producing investments you have, including your superannuation
• how long your income and assets will need to support you
• how much you want to leave to your family, and
• whether or not you are eligible for Government benefits to supplement your income.
  
  

If you're planning on retiring in the mid-to-short term, it's time for a chat with an adviser from BW Financial Advice, who can help you with a full financial plan.

Retired Or Retiring Soon

If you are retired now or close to retiring - and you want to enjoy the experience - it's more important than ever to get some good financial advice.

You worked hard for your money. You need to know that it's invested appropriately with some good financial management.

Will your invested capital last you through this phase of life? Are your income structures set up to support you now, and into the future? Should you be accessing Government benefits to supplement your income?

Meeting with an adviser from BW Financial Advice will help ensure you have the bases covered.

Looking After The Next Generation

We all want to ensure our children are looked after. But, equally, most of us know that they don't want to see us going without.

A visit to an adviser from BW Financial Advice - possibly even with your family - can help you put financial planning in place that will help you live life to the full now.

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.