Arranging aged care for yourself, a partner or a parent can feel overwhelming.

We help you make clear, confident decisions about how to fund care without risking your wealth or peace of mind. Whether you are planning ahead or making decisions right now, we guide you through your options so the financial and emotional outcomes both make sense.

Your Money Your Life

Understanding and managing the financial side of aged care

Aged care fee modelling

We explain and model the four main fees — the Refundable Accommodation Deposit (RAD), Daily Accommodation Payment (DAP), Means-Tested Care Fee, and Basic Daily Fee — so you understand what each one means for your situation.

Keep or sell the family home

We analyse the financial impact of selling, keeping, or renting out the family home — including how each choice affects aged care fees, capital gains tax, and estate planning outcomes.

Centrelink and Age Pension implications

We assess how entering aged care affects your entitlements — and show you how to structure assets and income to minimise aged care fees while maintaining (or regaining) benefits where possible.

Funding strategies

We help you determine the best way to fund care — from super, investments, home sale proceeds, or dedicated income streams — balancing liquidity, tax, and future estate goals.

Cash flow and affordability analysis

We model the ongoing affordability of care, ensuring you (or your loved one) can comfortably cover costs without eroding the estate unnecessarily.

Estate and inheritance impact

Aged care decisions can have ripple effects across generations. We help you understand how your choices today affect what’s ultimately passed on to family.

Working with your professional team

We handle the financial strategy, while your solicitor manages legal documents and the facility handles placement. We coordinate with your accountant, lawyer, and family members to keep everyone aligned.

Who aged care financial advice is for

This service is for you if you’re:

  • Helping a parent or loved one transition into aged care and need clear financial guidance
  • Unsure whether to sell or keep the family home
  • Concerned about how aged care costs will affect pensions, cash flow, and inheritance
  • Managing decisions on behalf of ageing parents and want to protect their (and your) financial wellbeing
  • Planning ahead for your own potential care needs and want to be prepared
aged care financial advice

Aged Care Financial Advice FAQs

The Refundable Accommodation Deposit (RAD) is a lump sum payment that’s refunded (less any agreed deductions) when you leave care. The Daily Accommodation Payment (DAP) is like paying interest on the unpaid portion of the RAD — an ongoing daily fee. We show you which option makes most sense for your situation.

Not necessarily. The home is exempt from the asset test for two years if a spouse or dependent still lives there, or in some cases longer. We model both scenarios — keeping or selling — so you can make a fully informed choice.

Moving into care changes how your assets and income are assessed. Sometimes selling a home can reduce pension entitlements; sometimes restructuring assets can increase them. We’ll clarify your position before you make big decisions.

Yes — and it’s often the most efficient option. We help determine which assets to draw from first to minimise tax and preserve capital where possible.

The RAD is refunded to the estate, less any agreed fees. We help ensure it’s structured correctly to avoid delays or disputes.

Significantly. The way you fund aged care can alter what’s left in the estate — and who it passes to. We help you plan for care in a way that aligns with your broader legacy goals.

Gifting rules apply. Centrelink counts gifts above $10,000 per year (or $30,000 over five years) as assets for means-testing. We model timing and amounts so you don’t accidentally trigger higher fees.

We specialise in time-sensitive situations. We can prioritise an urgent assessment to help you make immediate decisions around funding, home sale, or deposits without panic.

Since 2009, we’ve helped families navigate the financial side of aged care with clarity, compassion, and confidence.

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