Clarity
Aged care fees and rules can be confusing. We explain the important parts in plain English.
About Aged Care Financial Advisers
Specialist aged care financial advice for families who need clarity
Aged Care Financial Advisers helps families make informed financial decisions when Mum, Dad or a partner is moving into residential aged care.
Our role is to simplify complex aged care fees, accommodation payments, home decisions and cashflow choices so your family can move forward with more confidence.
Australia-wide by phone or Google Meet. Fixed fees. Plain English advice.
Financial adviser since 2012
Accredited Aged Care Professional
Master of Financial Planning
Australia-wide online advice
Our story
Why Aged Care Financial Advisers exists
Aged care decisions are often made under pressure. A parent may be in hospital, respite may be ending, a facility may be asking for accommodation payment decisions, and the family may be unsure what to do with the home.
Aged Care Financial Advisers was created to provide specialist financial advice for families navigating the transition into residential aged care. We started with a focus on Toowoomba, the Southern Downs and surrounding regional areas, where access to specialist aged care advice can be limited. Today, we also work with families Australia-wide by phone and online meetings.
The aim is simple: give families clear, cost-effective and easy-to-understand advice before major financial decisions are locked in.
2012
Rob began providing financial advice
2014
Rob started his own advice business
AU-wide
Advice by phone and Google Meet
Mission and values
We help families move from confusion to confident decisions
Our mission is to provide clarity and confidence around aged care options so families can make informed decisions with less stress.
Confidence
We model the options so families can see the financial consequences before deciding.
Family understanding
Advice can be shared with attorneys, siblings and decision-makers so everyone sees the same information.
Fixed fees
We use clear fixed-fee packages so families know the cost before proceeding.
About the adviser
Rob Laurie, specialist aged care financial adviser
Rob Laurie is a financial adviser based in Toowoomba, Queensland, with more than a decade of experience helping clients make financial decisions.
Rob has completed specialist aged care advice training and has built Aged Care Financial Advisers around the needs of families making residential aged care decisions. The focus is practical: understand the fees, compare the options, and make a decision based on evidence rather than guesswork.
Qualifications and professional background
- Authorised Representative Robert Laurie AR No. 425270
- Master / graduate-level financial planning study Advanced financial planning qualifications and ongoing professional development
- Accredited Aged Care Professional Specialist aged care advice training through Aged Care STEPS
- Experience since 2012 Financial advice experience across retirement, superannuation, investments and aged care decisions
- Founder RJL Financial Pty Ltd trading as Aged Care Financial Advisers
Professional details should be read alongside the current Financial Services Guide and adviser profile.
Why specialist advice matters
Aged care advice is different from ordinary retirement planning
Residential aged care decisions often combine emotional pressure, family dynamics and complex financial rules. We focus on the practical decisions families face when care is needed now.
| Decision area | How Aged Care Financial Advisers helps |
|---|---|
| RAD and DAP payments | We compare lump sum, daily payment and combination strategies so the family understands the cashflow and asset impact. |
| The family home | We model whether selling, renting or keeping the home may make sense in the resident’s broader position. |
| Age Pension and DVA | We explain how income, assets and aged care decisions may affect entitlements and assessments. |
| Cashflow and affordability | We project aged care fees, accommodation payments, personal expenses and available assets over time. |
| Family decision-making | We provide written analysis that can be shared with attorneys, siblings and other family decision-makers. |
| Financial product advice | If product recommendations are required, we explain the additional advice requirements and scope before proceeding. |
Who we help
Advice for families, attorneys and partners
Most of our clients are adult children, attorneys, partners or family members trying to make the right decision for someone they care about.
You may be dealing with a hospital discharge, a facility waiting for paperwork, a room price that needs a payment choice, or a family home decision that affects everyone. We help bring structure to the financial side of the process.
Families often contact us when:
- Mum, Dad or a partner is entering residential aged care
- A room price has been provided and RAD/DAP choices are unclear
- The family is unsure whether to sell, rent or keep the home
- Centrelink or aged care means assessment forms are confusing
- An attorney needs evidence before making a major decision
- Siblings need a clear explanation of the options
- The family wants to know how long the money may last
Need help understanding your family’s aged care options?
Book a free introductory call and we will help you understand what decisions matter, what information is needed and whether personalised aged care financial advice is appropriate.
Explore our services
Useful next steps
These pages help explain what we do, what it costs and how key aged care payment decisions work.
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 different advice levels may apply.
RAD vs DAP in Aged Care
Learn how lump sum and daily accommodation payments work before choosing a strategy.
Frequently asked questions
About Aged Care Financial Advisers
Who is Aged Care Financial Advisers?
Aged Care Financial Advisers is the trading name of RJL Financial Pty Ltd, providing specialist aged care financial advice to families making residential aged care decisions.
Who is Rob Laurie?
Rob Laurie is a financial adviser and the founder of Aged Care Financial Advisers. He has been providing financial advice since 2012 and specialises in helping families understand the financial side of aged care decisions.
Do you only help clients in Toowoomba?
No. While the business has regional Queensland roots, Aged Care Financial Advisers works with families Australia-wide by phone and Google Meet.
What makes aged care financial advice different?
Aged care advice often involves accommodation payments, means-tested care fees, Age Pension and DVA impacts, family home decisions, cashflow projections and estate considerations. The decisions are often urgent and family members may need clear written evidence before acting.
Is the first call free?
Yes. The introductory call is free and obligation-free. It helps us understand your 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.