Aged Care Financial Advice Costs (Australia)

Clear, fixed-fee advice to help you make confident decisions when a parent is moving into aged care.

  • Online via Google Meet Australia-wide (phone available)
  • Clear fixed fees – no surprise bills
  • Scenario modelling to compare options
  • Plain English explanation of aged care fees and Centrelink/DVA
  • Written strategy document with financial projections
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Schedule Free Introductory Call

Our Professional Fee Packages (including GST)

Simple $1,950

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Best suited to clients with uncomplicated asset structures

The Simple package is designed for families with straightforward finances and minimal tax complexity.

This typically includes:

  • The family home

  • Cash in the bank or term deposits

  • No capital gains tax exposure

  • No superannuation, pensions, or complex investments requiring restructuring

At this level, we focus on:

  • Explaining aged care fees and funding options

  • Modelling accommodation choices (RAD vs DAP)

  • Assessing affordability and cashflow outcomes

  • Helping you complete Centrelink and aged care forms

Standard $2,250

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Best suited to clients with superannuation or investment assets

The Standard package is appropriate where finances are more complex and require deeper modelling and analysis.

This may include:

  • Superannuation funds

  • Account-based pensions

  • Managed funds or share portfolios

  • Annuities or defined benefit pensions

  • Multiple asset types with tax or estate planning implications

At this level, we provide:

  • More detailed scenario modelling (up to five alternatives)

  • Tax and estate implications of each option

  • Cashflow and asset projections over time

  • Strategic guidance on how assets should be structured for aged care

SoA Upgrade +$950

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Required when financial products are recommended

A Statement of Advice (SoA) is required under Australian law when we recommend specific financial products.

This option is typically used:

  • After a home is sold and proceeds need to be invested

  • When restructuring assets to improve Centrelink outcomes

  • When recommending superannuation, pension, or investment products

  • When implementing strategies beyond high-level guidance

The SoA builds on the Simple or Standard advice and includes:

  • Documented product recommendations

  • Compliance disclosures and comparisons

  • Clear implementation steps

This is offered as an upgrade once it’s clear that product advice is required.

Why This Structure Matters

Not every aged care situation requires a full Statement of Advice. By separating advice into clear tiers, we aim to:

If you’re unsure which option applies to your situation, we’ll help you determine this during your free introductory call.

Schedule Your Free Introductory Call

Our Professional Fee Packages include:

  • Assisting you to complete your cost of care form
  • A one-on-one meeting to understand your financial position, goals and objectives
  • Phone and email support throughout the duration of the project
  • Summary of your current situation and goals and objectives
  • A one-on-one meeting to go through your written strategy document to help you understand the implications of your decisions
  • Explanation of your aged care fees
  • Your aged care options - up to five alternatives for restructuring your assets and meeting your obligations
  • Tax and estate implications of each alternative
  • Cashflow and asset projections to show you the outcome of each alternative over each of the next five years

Frequently asked questions on aged care financial advice costs

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The cost of aged care financial advice in Australia typically ranges from $1,500 to $5,000, depending on the complexity of your situation. Simpler cases involving the family home and cash assets are generally at the lower end, while situations involving superannuation, investments, Centrelink strategies, or product recommendations cost more. We use fixed fees, so you know the cost upfront before proceeding.

No. A Statement of Advice is only required when personal financial product recommendations are made, such as investing sale proceeds, starting pensions, or recommending specific financial products. Many aged care decisions—such as choosing how to fund accommodation costs or understanding fees—can be handled without a Statement of Advice.

Yes. A large part of aged care advice focuses on strategy, cash flow, Centrelink/DVA outcomes, and understanding aged care fees, not product sales. In many cases, clients only need strategic advice and modelling. Product recommendations are only made when they are necessary and appropriate.

Yes. The initial introductory call is completely free and obligation-free. It allows us to understand your situation, explain how aged care advice works, and outline which service (if any) is appropriate for you—before you commit to any fees.

Some aged care financial advice fees may be partially tax deductible, depending on the nature of the advice and your personal circumstances. Advice relating to income-producing assets or superannuation may qualify, while purely personal advice generally does not. We recommend confirming deductibility with your accountant.

Aged care advice costs vary based on factors such as the number of assets involved, whether superannuation or pensions are included, Centrelink or DVA assessments, tax implications, and whether product advice is required. More complex situations require additional modelling, analysis, and documentation.

No. Our fees are fixed and agreed upfront. If your circumstances change and additional work is required, this is discussed with you before any further fees apply.