Specialist Aged Care Financial Advice Australia-wide
Call us: 1300 550 940 | Mon–Fri 8.30am–5.30pm AEST
Aged Care Financial Planning & Advice
Clear, fixed-fee aged care financial planning advice to help families make confident aged care decisions for parents and partners — before costly mistakes are made.
We specialise in aged care financial advice. Our role is to help you understand what needs to be done, what can be afforded, and which options make sense, before decisions are locked in.
- Australia-wide virtual advice
- Fixed fees — no product pressure
- Plain English explanations for families
Specialist Aged Care Financial Planning
When a parent is moving into aged care, families are often forced to make major financial decisions quickly — often without fully understanding the long-term consequences.
We help families:
Understand aged care fees, RADs, DAPs, and means-tested care fees
Compare options before selling the family home
Model multiple scenarios to see what works best financially
Structure assets to fund care while protecting long-term finances
Navigate Centrelink, DVA, and aged care assessments
Align family members before decisions are finalised
Our advice is designed to reduce stress, avoid unnecessary losses, and give families clarity at a time when decisions feel overwhelming.
How Our Aged Care Financial Planning and Advice Works
A Clear, Structured Process — No Guesswork
We don’t sell generic financial plans. Our advice process is designed specifically for aged care decisions.
Step 1: Free Introductory Call
We understand your situation, urgency, and what decisions are coming up.
Step 2: Information Gathering & Modelling
We assess assets, income, care needs, and aged care options, then model multiple outcomes.
Step 3: Strategy & Recommendations
You receive clear guidance on the best path forward — explained in plain English, not jargon.
This process allows families to move forward confidently, knowing they’ve considered the financial impact properly.
FAQs
If you’re looking for aged care, it’s important to understand the fees and funding associated with it. Here are some of the most commonly asked questions about aged care fees and funding
What types of fees are associated with aged care?
How much aged care will I have to pay?
What happens if I can't afford aged care?
Are there any financial assistance options available?
How do I know if I qualify for government-funded aged care?
How does aged care funding work?
What types of aged care funding are available?
How do I know if I'm eligible for aged care funding?
What types of fees are associated with aged care?
There are typically three types of fees associated with aged care. These include: accommodation payments, aged care fees, and extra services fees. The type of aged care you receive will determine the costs associated with it.
How much aged care will I have to pay?
The amount of aged care you pay is determined by your individual circumstances and can vary from person to person. Generally speaking, if you are receiving a government subsidy for aged care services, then there may be no out-of-pocket cost for aged care services or very limited costs. However, if you are not eligible for a subsidy, then you may need to pay an accommodation bond or additional service fees depending on the type of aged care services you require.
What happens if I can't afford aged care?
If you are unable to pay the full cost of aged care, you may be eligible for aged care funding assistance. You can also contact the Services Australia or your local aged care service provider to discuss other options such as concessional loans or dementia-related homecare services.
Are there any financial assistance options available?
Yes, there are a range of aged care financial assistance programs that may be able to assist you. These include aged care bond loans, aged pension supplements and aged care concessions. Speak with your aged care provider or a financial advisor to find out more about these options.
How do I know if I qualify for government-funded aged care?
The first step is to assess your needs by completing an Aged Care Assessment Team (ACAT) assessment or Aged Care Assessment Service (ACAS) when you’re in Victoria. This will identify any services that you may need, such as home care or residential aged care homes. Once approved, you can receive government-funded assistance depending on your individual requirements.
How does aged care funding work?
Generally, aged care is funded by the Australian government. Depending on your individual situation, you may need to make a contribution towards aged care services such as accommodation costs or homecare fees. To find out more about the aged care fee structure, contact your local aged care service provider for more information.
What types of aged care funding are available?
There are several different types of aged care funding options available to assist with the cost of aged care. The Australian government subsidises aged care fees, while individuals may be required to make additional contributions depending on their financial situation. Other aged care funding options include concessional loans and services such as dementia-related homecare or nursing home costs.
How do I know if I'm eligible for aged care funding?
Eligibility for aged care funding will depend on your age, assets, income and level of disability. To find out more about aged care funding eligibility in Australia, contact the Services Australia or your local aged care service provider for further information.
Want to know about our professional fees?
Click the button below to learn more about our aged care financial advice fees
How our aged care advice process works
We provide aged care financial advice through a simple, step-by-step meeting process.
Each meeting builds on the last, and you’re only invited to book the next step when you’re ready.
1. Introductory Call (Free)
A short, no-obligation call to understand your situation and urgency.
Confirm whether aged care advice is appropriate for your family
Explain how we help and what our fixed fees look like
Answer any immediate questions
No advice, no pressure, no cost
2. Fact Find Meeting
A deeper conversation so we can provide personalised advice.
Understand your parent’s financial position, care needs, and family priorities
Identify time pressures (hospital discharge, respite, permanent care)
Confirm scope and agree on the next step before proceeding
3. Advice Presentation
This is where you get clear answers and options.
Walk through multiple aged care strategies and outcomes
Explain fees, Centrelink/DVA impacts, and cashflow in plain English
Compare options so you can make informed decisions with confidence
(Where required, this may include a formal Statement of Advice.)