Should we sell, rent or keep the family home?
We model the impact of home decisions on cashflow, aged care fees, Age Pension and estate outcomes.
Specialist aged care financial advice Australia-wide
When a parent is moving into aged care, the financial decisions can feel urgent and overwhelming
Families are often asked to make major decisions about the home, RAD/DAP payments, Centrelink forms, care fees and cashflow while also dealing with hospital discharge, family stress and uncertainty about future care needs.
Aged Care Financial Advisers helps simplify the financial side of residential aged care so your family can compare the options before committing to a strategy.
Watch the explainer
How aged care financial advice helps your family make clearer decisions
This short explainer video introduces how we help families understand aged care fees, RAD/DAP payment options, the family home, Centrelink/DVA issues and cashflow before major decisions are made.
- Understand what decisions matter most
- See why modelling options can help avoid rushed choices
- Learn how a free introductory call works
What we help with
Practical financial advice for the decisions families actually need to make
Our advice focuses on the key aged care questions that can affect affordability, Age Pension, aged care fees, tax, estate outcomes and family peace of mind.
Should we pay RAD, DAP or a combination?
We compare lump sum and daily accommodation payment options before the family commits.
How long will the money last?
We project income, assets, fees and expenses under different aged care funding strategies.
What forms and assessments matter?
We help you understand Centrelink/DVA, aged care means testing and cost of care information.
Who we help
Built for adult children, attorneys and partners making decisions for someone they love
Most families come to us when they are trying to support a parent or partner entering residential aged care and need clarity before signing paperwork, selling assets or choosing an accommodation payment strategy.
We explain the rules in plain English, compare scenarios and give decision-makers a clear basis for action.
You may need advice if:
- A room price has been provided by an aged care facility
- You are unsure whether to pay RAD, DAP or a combination
- The family is deciding whether to sell, rent or keep the home
- Centrelink, DVA or aged care fee assessments are confusing
- Siblings or attorneys need a clear comparison of options
- You need to know whether the resident can afford ongoing fees
Choose your starting point
Explore the aged care advice topics families ask about most
These pages are useful starting points if you are comparing advice, trying to understand costs or deciding between RAD and DAP.
Aged Care Financial Planning Services
See how we help families compare home, accommodation, cashflow, Centrelink and aged care fee decisions.
Aged Care Financial Advice Costs
Understand our fixed-fee advice packages and when Simple, Standard or Statement of Advice work may apply.
RAD vs DAP in Aged Care
Learn how lump sum and daily accommodation payments work, and why the right option depends on the whole situation.
Our process
From confusion to a clear family decision
Our process is designed for families who need practical, timely advice without making the situation more complicated.
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Free introductory call
We understand the situation, urgency and whether aged care financial advice is likely to help.
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Gather information
We collect the facts about income, assets, home ownership, facility costs and family priorities.
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Model the options
We compare strategies such as full RAD, full DAP, part RAD, selling the home, renting the home or keeping the home.
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Explain the advice
You receive a plain English strategy document and meeting so the family can understand the trade-offs.
Need help before you make an aged care decision?
Book a free introductory call and we will help you understand what information is needed, which decisions matter and whether personalised aged care financial advice is appropriate.
Why families choose us
Specialist aged care advice without unnecessary complexity
Aged care financial advice is not just retirement planning. The rules are specific, the decisions are often time-sensitive and the family dynamics matter.
Specialist focus
Our advice is focused on aged care financial decisions: accommodation payments, fees, home choices, Centrelink/DVA and cashflow.
Australia-wide online advice
Meet by phone or Google Meet so siblings, attorneys and family members in different locations can attend together.
Fixed fees upfront
Fees are explained before you proceed, so your family knows the cost and scope of advice before committing.
Scenario modelling
We compare the options before your family commits
The goal is to make the trade-offs visible so the family can make a more confident decision.
| Decision area | What we help compare |
|---|---|
| Accommodation payment | Full RAD, full DAP, part RAD/part DAP and affordability over time. |
| Family home | Selling, renting or keeping the home and the potential cashflow, Centrelink and fee impacts. |
| Cashflow | Income, expenses, care fees, DAP payments, investment income and how long funds may last. |
| Age Pension and DVA | How assets, income, home decisions and aged care assessments may affect entitlements. |
| Estate and family outcomes | How choices may affect liquidity, estate value and decision-making for attorneys or beneficiaries. |
Speak with a specialist aged care financial adviser
Aged care advice for real family decisions
Rob Laurie and Aged Care Financial Advisers help families simplify the financial decisions that come with residential aged care. The focus is practical: how to pay for care, what to do with the home, how to manage cashflow and how to compare options before committing.
The first call is free and obligation-free. It helps us understand your situation and explain whether our service is appropriate.
Frequently asked questions
Aged care financial advice FAQs
What does an aged care financial adviser help with?
An aged care financial adviser helps families understand aged care fees, RAD/DAP accommodation payment options, Age Pension and DVA impacts, cashflow, the family home, tax considerations, estate implications and how to compare funding strategies.
When should we get aged care financial advice?
Families often seek advice when a parent or partner is moving into respite or permanent care, when a room price has been offered, or before deciding whether to sell, rent or keep the home.
Can you help us decide whether to sell the family home?
Yes. We can model selling, renting or keeping the home and explain the potential impact on cashflow, aged care fees, Age Pension and estate outcomes.
Can family members attend the meeting online?
Yes. We provide advice Australia-wide by phone and Google Meet, which makes it easier for siblings, attorneys and family members in different locations to attend the same meeting.
Is the first call free?
Yes. The introductory call is free and obligation-free. It helps us understand the situation, explain the advice process and confirm whether personalised advice is appropriate.
How much does aged care financial advice cost?
Our advice is fixed fee and explained upfront. The appropriate fee depends on the complexity of the situation and whether financial product advice is required.
Start with a free introductory call
If your family is deciding how to fund aged care, what to do with the home, how to pay RAD or DAP, or how long money may last, we can help you understand the options.
General information warning: This page provides general information only and does not take into account your objectives, financial situation or needs. Aged care rules, fees and advice requirements can change. You should seek personalised advice before making financial decisions.