As you move through your 30s, you have a fantastic opportunity to take control of your money and start getting yourself in a much stronger financial position.

You have a doctor and a dentist. You trust them. But who helps with your financial health? Who can you go to for financial advice?

Building a good relationship with a Financial Adviser can help you to better manage your money and keep you on track towards your goals with some financial planning.

A BW Financial Adviser can help you with:

• Super and your tax
• Saving For The Kids' Education
• Starting To Invest
• Financial Planning For A New Partner Or Family
• Income Protection If You're Sick Or Injured
• Focusing on Superannuation

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.
 

Saving For The Kids' Education

Tuition, uniforms, excursions, books, lunches, sports, musical instruments, computer, internet costs, it all adds up.

But providing for your children's education doesn't have to be difficult. It can be as easy as adding a few dollars every week to a savings account or an education savings plan.

A BW Financial Adviser can tell you more.

Starting To Invest

Would you like to be more secure financially? Have more to show for your efforts over time?

Even small investments, made regularly, can really amount to big things over the long term.

The problem with investing though is where to start?

An adviser from BW Financial Advice can help you clarify what you want to achieve, what your investment time frame is, and how comfortable you are with different types of investments, before helping you build a personalised portfolio.

Financial Planning For A New Partner Or Family

When two families come together, there's no question: discussions can be tricky.

You or your new partner might have immediate concerns about a new home, managing your new extended family's school expenses, planning holidays or setting up your finances for the longer-term.

It's often difficult to know where to start.

Meeting with a BW Financial Adviser can be a great first step.

Income Protection If You're Sick Or Injured

Sometimes, a happy future means preparing for unhappy possibilities.

If you were to fall sick or were injured and unable to earn an income, for example, life could get tough.

But with Income Protection insurance, you'd receive a proportion of your salary for a period of time whilst you were unable to work - helping you stay on top of your commitments.

A BW Financial Adviser can recommend a product that's right for you.

Focusing On Superannuation

Superannuation savings help give you financial security in retirement. They are a vital piece of your wealth management strategy, and an area where specialised financial advice can really help.

• Could you or your spouse benefit from the government's co-contribution scheme?
• Is your super invested to suit your goals and attitude to risk?
• Are you paying too much in fees?
• If you have several superannuation funds, could you save fees by consolidating into one?
• Should you contribute more? Are there any tax advantages if you do?

An adviser from BW Financial Advice can help review your situation and make sure super is working as hard as it can. 

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.