Aged care financial advice for families who want to get it right.
The aged care system is complex, emotionally charged, and financially significant. As specialists, we help families understand the decisions, structure assets wisely, and navigate the system with confidence.
Empathy-first
When a parent or loved one needs aged care, everything happens at once. You’re managing emotions, logistics, family dynamics, and a system that can feel overwhelming all while trying to make financial decisions that will have lasting consequences.
Aged care financial advice is one of our deepest areas of expertise. We’ve guided many families through this process. We know the system, we know what goes wrong, and we make it as clear and manageable as possible.
What we help with
Our aged care financial advice services
- Home care financial advice — Home Care Package funding and the Support at Home program
- Retirement village advice — understanding entry contributions, ongoing fees and departure fees before you commit
- Understanding the full cost structure of residential aged care — RAD, DAP, basic daily fee, and means-tested care fee
- Completing the Centrelink income and assets assessment accurately — errors here cost time and money
- Modelling accommodation payment options — lump sum RAD, daily DAP, or a combination
- The family home decision — whether to keep or sell, and the financial and pension implications of each
- Age Pension optimisation through and after the transition
- Retirement village advice — understanding entry contributions, ongoing fees, departure fees and the financial implications of moving in or out
- Estate planning review — ensuring aged care decisions don't inadvertently affect bequests
a simple overview
The aged care system
For visitors who are new to aged care, include a plain-English explainer. Format as three cards or steps
Step 1
Assessment
An ACAT (Aged Care Assessment Team) assessment determines what level of care is needed. Arranged via My Aged Care (1800 200 422). We can help you prepare for this process.
Step 2
Costs & Fees
The government means-tests income and assets to determine the contribution toward care costs. The financial decisions at this stage are significant, and this is where specialist advice matters most.
Step 3
Strategy
We model your options, help complete Centrelink forms correctly, and develop a financial strategy that makes care affordable now and sustainable into the future.