Clear fixed-fee advice to help your family make confident decisions when Mum, Dad or your partner is moving into residential aged care.
No hourly surprises. No product pressure. Just plain English advice, scenario modelling and practical guidance before major aged care decisions are locked in.
Free introductory call. Australia-wide via Google Meet or phone. Fees include GST.
Why families pay for advice
Aged care decisions often involve hundreds of thousands of dollars: the family home, RAD/DAP choices, Centrelink assessments, cashflow, estate planning and whether assets should be sold, retained or restructured.
Should the home be sold, rented or kept? The answer can affect cashflow, pension entitlements, aged care fees, tax and family outcomes.
Paying a lump sum, daily payment or combination can materially change how long money lasts and how much flexibility remains.
We compare the alternatives so the family can see the financial consequences before committing to a strategy.
Professional fee packages
We keep the fee structure simple so your family knows the likely cost before proceeding. The right package depends on the complexity of the resident’s assets and whether financial product advice is required.
Best suited to clients with uncomplicated asset structures.
Best suited where superannuation, pensions or investment assets need deeper modelling.
Required when specific financial product recommendations are made.
Not sure which fee applies?
This does not replace advice, but it helps you understand whether your family’s situation is likely to be simple, standard, or may require a Statement of Advice upgrade.
Likely starting point:
Simple or Standard Advice
Tick the boxes above and we’ll show the likely direction. We confirm the appropriate fee during your free introductory call.
What you receive
Families usually need more than a list of aged care rules. You need someone to organise the numbers, explain the trade-offs and help the family understand the options.
| Included service | Why it matters |
|---|---|
| Initial meeting to understand the situation | We clarify who is entering care, what decisions are urgent, what assets exist and what the family is trying to achieve. |
| Explanation of aged care fees | We explain the basic daily fee, means-tested care fee, accommodation payment and how the resident’s position may affect costs. |
| RAD, DAP and accommodation modelling | We compare payment options so the family can understand affordability, cashflow and long-term consequences. |
| Up to five alternatives for structuring assets | We can model alternatives such as paying a RAD, paying DAP, part RAD/part DAP, selling the home, renting the home or using other assets. |
| Tax and estate implications | We highlight where tax, Centrelink, estate planning or family issues may influence the preferred strategy. |
| Cashflow and asset projections | We show projected outcomes over time so the family can see how long money may last under different choices. |
| Written strategy document | You receive a clear written explanation that can be shared with attorneys, siblings and decision-makers. |
| Strategy presentation meeting | We walk through the advice with you so the family understands the reasoning, not just the conclusion. |
| Phone and email support during the project | Families can ask questions as documents, facility requests and Centrelink/DVA issues come up. |
| Help with cost of care forms | We assist you to understand and complete the information required for aged care fee assessment. |
Why we separate the fees
Some aged care decisions are strategic: understanding fees, comparing RAD and DAP, deciding whether the home can be kept, or checking affordability. Other cases require financial product advice and formal product recommendations.
By separating the packages, we aim to keep costs proportionate to the work required. You should not pay for more documentation than your situation needs, but you should also receive the right level of advice where product recommendations are involved.
That is exactly what the free introductory call is for. We will understand the assets, decisions and urgency, then explain which service is appropriate before you pay anything.
What happens next
The process is designed for families who need clarity quickly, often while a parent is in hospital, respite or preparing to enter residential care.
We understand the situation, the decisions being made and whether aged care financial advice is likely to help.
We explain the right advice package and fee before you decide whether to proceed.
We review the financial position, aged care costs, accommodation options and relevant Centrelink/DVA factors.
You receive a plain English document with projections and alternative scenarios.
We walk through the advice with you and answer questions so the family understands the options.
If product advice or implementation is required, we explain the additional scope before proceeding.
Specialist aged care financial advice
Aged care financial advice is different from general retirement planning. Families often need to make decisions quickly while dealing with stress, facility paperwork, Centrelink forms and disagreement about the family home. The free introductory call helps you understand whether advice is appropriate, what fee may apply and what information is needed to move forward.
Frequently asked questions
Our fixed-fee aged care advice packages start from $1,950 including GST for simpler cases. Standard advice is $2,250 including GST. If a formal Statement of Advice is required for financial product recommendations, an additional $950 including GST applies.
Aged care advice often involves complex modelling across accommodation payments, aged care fees, Centrelink or DVA outcomes, cashflow, tax, estate planning and the family home. The fee covers analysis, projections, written strategy documentation, meetings and support during the project.
No. A Statement of Advice is generally required when personal financial product recommendations are made. Many aged care decisions can be handled with strategic modelling and explanation, without product recommendations.
Yes. The initial introductory call is free and obligation-free. It allows us to understand your situation, explain how the advice process works and indicate which fee package may be appropriate.
Yes. We provide aged care financial advice Australia-wide by Google Meet and phone. This also makes it easier for siblings, attorneys and family members in different locations to attend the same meeting.
Some advice fees may be partly deductible depending on the nature of the advice and your personal circumstances. You should confirm deductibility with your accountant or tax adviser.
Our fees are fixed and agreed upfront. If circumstances change and additional work is required, this is discussed with you before any further fee applies.
Book a free introductory call to discuss your family’s situation, confirm which fee package is likely to apply and understand the next steps before committing to paid advice.
General information warning:
This page provides general information only and does not take into account your objectives, financial situation or needs. Fees, aged care rules and advice requirements can change. You should seek personalised advice before making financial decisions.
