About Aged Care Financial Advisers

An aged care financial adviser helps families understand the costs of aged care and how different choices affect cashflow, Age Pension and the estate. We model options such as keeping or selling the home, paying a RAD vs DAP, and structuring assets to reduce avoidable fees. The goal is simple: help you make confident decisions before anything becomes irreversible.

Yes — most of our work is delivered Australia-wide via online meetings (Google Meet) and phone. This makes it easy for adult children and family members in different locations to join the same meeting. You get the same advice and modelling as an in-person appointment, without the travel.

Aged care has its own set of rules and time pressures — and small mistakes can cost families thousands. A specialist aged care adviser focuses on Centrelink/DVA interactions, accommodation payments, means-tested fees, and strategy implementation. If you’re making decisions under time pressure, specialist advice can pay for itself quickly by avoiding expensive missteps.

Yes. We can provide aged care financial advice that is purely strategic — focused on decisions, modelling, and the financial impacts — without recommending products. If a product recommendation becomes relevant (for example after a home sale or when investing proceeds), we’ll explain why and only proceed if you want that advice. Many clients never need product advice at all.

We use fixed-fee packages so you know the cost upfront before committing. The right package depends on how complex the situation is (for example, whether there are investments, superannuation, or just the home and cash). The first step is a free introductory call where we’ll confirm whether we can add value and which option fits best.