Aged Care Financial Planning and Advice
We help you:
- Understand implications of selling or renting home
- Minimise care fees, maximise govt benefits
- Understand consequences of a RAD or DAP
- Provide evidence to back your aged care decisions as PoA
- Understand what is affordable long term
- See projections on estate values and cashflow
- Reduce risk with a money back satisfaction guarantee on advice
Fixed Price Cost
Clear and transparent advice cost that makes sense and provides value.
Convenient Service
We are available for meetings 9am to 9pm AEST, so even if you are in SA, NT or WA, we can accommodate you after standard work hours.
Expert Advice
Benefit from our depth of experience and understanding of aged care financial matters. Accredited Aged Care Professional®.
Family Meetings
Family members who want to be involved can catch up together with our online meetings, even if you live a long way apart (as we often do!).
Fast Advice Process
We understand the time constraints of aged care well. We deliver a written strategy paper or advice document efficiently.
Satisfaction Guarantee
We will deliver on what we promises. We are so confident we can add value, If you are not satisfied with our service, we will refund our fees.
Five Mistakes We Help You To Avoid
Many people think they have to sell their home to fund aged care. But advice from Aged Care Financial Advisers can show them the choices and full implications of their decisions.
Many people see RADs as lost money. Aged Care Financial Advisers can explain refunds and government guarantees as well as show clients how to make the most of Centrelink exemptions for RADs.
The rules and terms are complex and timeframes to make decisions are often limited. Aged Care Financial Advisers can help take out the stress and allow more effective decision-making in the timeframe available.
Cashflow is the big story when planning aged care costs. Aged Care Financial Advisers start with creating enough cashflow so obligations can be met and extras can be funded to improve their lifestyle.
Obligation Free Call
Schedule a FREE Discovery Call from our Contact page to find out if and how we can help your situation
What some of our past clients say...
Aged Care Financial Advice Costs
Discover affordable solutions tailored to your unique needs
Our free initial consultation will:
- Help you to understand the aged care landscape and Centrelink/DVA
- Explain how we can help you to achieve what's important to you
Aged care financial advice costs can be complex, but they don’t have to be. Aged Care Financial Advisers offers competitive fixed fees and transparency around inclusions, so you know exactly what you’re paying for. We believe that we can provide value to most people at these affordable rates. Early planning and good advice is essential during this stressful time, and we’re here to help. Contact us today to get started.
Moving a family member into aged care can be a difficult and stressful time for both you and your family. There are many personal and financial decisions to be made, and it can be tough to know where to start. That’s where we come in.
We can provide you with aged care financial advice to help you understand the costs associated with different care options, and how to structure your finances to pay for the right level of care. We can also help you navigate the aged care system, so you can make the best choices for your future.
We have designed a range of packages to meet your individual needs. Contact us today to learn more about how we can help you plan for aged care.
Simple
$990
Our service to you will include:
- A written strategy document (including cashflow report)
- Simple Assets (Cash, term deposits etc)
- Financial product advice
- Complex asset types (Super funds, Managed Funds, Property, Investment properties, defined benefit incomes, annuities etc.)
- Summary of your current situation and goals and objectives
- 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 or ten years
Strategy Meeting
- A one-on-one meeting to go through your written strategy document to help you understand the implications of your decisions
- Phone and email support throughout the duration of the project
- Assisting you to complete your cost of care form
Standard
$1390
Our service to you will include:
- A written strategy document (including cashflow report)
- Financial product advice
- Summary of your current situation and goals and objectives
- Simple Assets (Cash, term deposits etc)
- Complex asset types (Super funds, Managed Funds, Property, Investment properties, defined benefit incomes, annuities etc.)
- 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 or ten years
Strategy Meeting
- A one-on-one meeting to go through your written strategy document to help you understand the implications of your decisions
- Phone and email support throughout the duration of the project
- Assisting you to complete your cost of care form
Comprehensive
$1990*
*plus implementation fee
Our service to you will include:
- A written strategy document with recommendations (Statement of Advice)
- Financial product advice (scoped to aged care)
- Simple Assets (Cash, term deposits etc)
- Complex asset types (Super funds, Managed Funds, Property, Investment properties, defined benefit incomes, annuities etc.)
- Summary of your current situation and goals and objectives
- 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 or ten years
Strategy Meeting
- A one-on-one meeting to go through your written strategy document to present our advice and recommendations
- Phone and email support throughout the duration of the project
- Assisting you to complete your cost of care form
- Optional - Implementation of financial products 0.55-1.1%
Aged care financial advice costs can seem expensive, but it can also be significantly financially beneficial. A good financial advisor can help you to navigate the aged care system, understand your options and make the best decisions for your future. They can also help you to claim any benefits and entitlements that you may be entitled to. However, aged care financial advice costs can vary depending on the advisor and the services they provide. Before you commit to an aged care financial advisor, be sure to shop around and compare costs to get the best value for your money. We know you will be back in contact with Aged Care Financial Advisers.
About the Adviser
Rob Laure is a financial adviser (ASIC # 425270) and had been providing financial advice since 2012. In 2014 he started his own business as his employer was retiring from the industry. RJL Financial Pty Ltd trading as Aged Care Financial Advisers (ABN 91 600 073 630) and Rob Laurie are Authorised Representatives of Lifespan Financial Planning Ltd (AFSL 229892).
Rob has completed the Aged Care STEPS Accredited Aged Care Professional™ program, the gold standard in aged care advice training for financial advisers. It focuses not just on the technical rules but also on the practical implementation of aged care advice. He also has a Master of Financial Planning from Kaplan Professional
We cater to everyone else in Australia via online and phone-based meetings because we understand not everyone lives in capital cities, and millions of Australians lack access to specialist aged care financial advisers face to face.
Mission & Vision
We partner with families to provide clarity and confidence around aged care options, to empower them to make informed aged care decisions.
We aim to provide fast, cost effective and easy to understand financial advice. We aim to provide this advice in 7 days.
We provide a satisfaction guarantee. If you are dissatisfied with our service, we will refund your advice fee.
Residential aged care fees are complex. Why would we make our advice fees the same? Instead, we make it super simple on our end with our fixed price fees.
Schedule a meeting
We have three meeting options and they should be booked in order starting with a Discovery Call. A letter of engagement will be sent before fact find meeting.
- Discovery call – this is to find out about our service off and for us to ensure your situation is relevant and we can add value – no cost.
- Fact Find Meeting – Deep dive into your concerns, and personal situation so we can provide personal financial advice, we obtain your agreement to proceed to the next step.
- Advice Presentation – This is the meeting you get answers to your financial questions we run through multiple options and outcomes. You are given a Statement of Advice.
Schedule an Intro Call to learn how we can help
...Or if you are ready to start - schedule a fact find online meeting or call:
Power of Attorney for someone entering aged care?
Being a power of attorney in Australia comes with a lot of responsibility. After all, you are essentially the one making decisions for someone else when they can’t do so themselves. This can be a daunting task, especially if you don’t feel prepared or don’t know where to start. However, there are some basi guidelines that can help you navigate this role with regard to aged care financial advice costs and aged care decisions.
First and foremost, you should always act in the best interests of the person you are representing. This means making decisions that will promote their wellbeing and quality of life. Additionally, you should keep clear records of all decisions made and keep communication lines open with both the person you are representing and their family members. Finally, it is important to be aware of your own limitations and to seek professional help.
Thankfully, there are a few ways to help ease the burden of being a power of attorney. First, consult with an aged care financial adviser to get a better understanding of the implications of your aged care decisions and the costs associated with aged care. We can meet with all family members to ensure everyone is on the same page before the decision is implemented.
Second, it is generally a good idea to keep accurate records of all financial transactions made on behalf of the person you’re representing. And finally, don’t hesitate to seek help from other power of attorneys or professionals if you’re feeling overwhelmed. Remember, you’re not alone in this – we’re all in it together!
Grab Our FREE eBooks
Time is ticking and it’s time to start thinking about Aged Care for your loved ones. With 6 straight forward guides, you’ll learn more about the complexities of aged care in Australia.
Click on the eBooks below.
