The family home
Should the home be sold, rented or kept? This can affect aged care fees, Age Pension, tax, cashflow and estate outcomes.
Specialist aged care financial planning
Aged Care Financial Planning & Advice
Clear, fixed-fee aged care financial planning advice to help families make confident decisions for Mum, Dad or a partner entering residential aged care.
We help you understand what needs to be done, what can be afforded, and which options make sense before decisions are locked in.
Australia-wide by phone or Google Meet. Fixed fees. Plain English advice.
Specialist aged care advice
Fixed fees upfront
Family meetings online
No product pressure
Why families call us
Aged care decisions often happen fast — and the wrong decision can be expensive
A health event, hospital discharge, respite stay or sudden move into permanent care can force families to make financial decisions before they fully understand the rules. We help you compare the options before the family commits to a strategy.
RAD vs DAP
Paying a lump sum, daily payment or combination can materially change cashflow and flexibility.
Forms and assessments
Centrelink, DVA and aged care means assessments can be confusing when the family is already under pressure.
Our specialist service
What our aged care financial planning advice helps you decide
We do not sell generic financial plans. Our advice is designed around the specific financial decisions families face when someone is entering residential aged care.
Aged care fees
Understand basic daily fees, accommodation costs, means-tested care fees and how the resident’s income and assets may affect costs.
RAD and DAP strategy
Compare full RAD, full DAP and combination strategies before deciding how to pay for the room.
Home decisions
Model whether selling, renting or keeping the home may produce the best financial and family outcome.
Cashflow projections
See how long money may last under different options and whether the resident can afford ongoing fees.
Centrelink and DVA
Understand how aged care decisions may affect Age Pension, DVA benefits and assessable assets or income.
Tax and estate issues
Identify tax and estate considerations before selling assets, renting the home or changing investment structures.
Family alignment
Provide clear written evidence so attorneys, siblings and decision-makers can understand the options together.
Implementation clarity
Know what needs to happen next, which documents matter and whether further product advice is required.
Who we help
Designed for families making decisions for someone they love
Most of our clients are adult children, attorneys, partners or family members trying to make the right financial decisions while also supporting a loved one through care.
You may be managing the aged care provider’s paperwork, Centrelink/DVA forms, a home sale discussion, family expectations and urgent deadlines all at once. Our role is to bring structure to the financial side of the decision.
We commonly help when:
- A parent is moving from hospital or respite into permanent care
- The family is unsure whether to sell, rent or keep the home
- The facility has provided a room price and payment options
- An attorney needs evidence before making a major financial decision
- Siblings disagree or need a clear comparison of options
- Cashflow, Age Pension or aged care fees are unclear
- The resident has superannuation, pensions, investments or term deposits
What you receive
A clear advice process with modelling, explanation and support
Our service is designed to help the family understand the financial consequences before decisions are finalised.
| Included support | How it helps your family |
|---|---|
| Free introductory call | We understand the situation, urgency and whether personalised aged care advice is appropriate. |
| Fact find meeting | We gather details about assets, income, care needs, family priorities and key decisions. |
| Aged care fee explanation | You understand accommodation payments, care fees and how means testing may affect the resident. |
| RAD/DAP modelling | We compare lump sum, daily payment and combination options so the family can see trade-offs clearly. |
| Home strategy comparison | We model the impact of selling, renting or keeping the family home where relevant. |
| Cashflow and asset projections | You can see whether the resident’s money is likely to last under different strategies. |
| Centrelink/DVA considerations | We identify how decisions may affect Age Pension, DVA payments and assessable assets or income. |
| Written strategy document | You receive a plain English document that can be shared with attorneys, siblings and family members. |
| Advice presentation meeting | We walk through the options and answer questions so the family understands the recommendations. |
| Phone and email support | You have support as paperwork, provider questions and follow-up decisions arise during the advice process. |
Simple process
How our aged care financial planning process works
Each step is designed to reduce confusion and help your family move from uncertainty to a clear decision.
-
Free introductory call
We discuss your situation, urgency, family concerns and whether aged care advice is suitable.
-
Information gathering and fact find
We collect the details needed to model aged care costs, cashflow, assets, income and accommodation payment options.
-
Scenario modelling
We compare the practical alternatives, such as full RAD, full DAP, part RAD, selling the home, renting the home or keeping the home.
-
Written strategy document
You receive plain English advice and projections that explain the financial consequences of each option.
-
Advice presentation meeting
We walk through the advice with you, answer questions and help decision-makers understand the next steps.
Need to make an aged care decision soon?
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.
Australia-wide advice
Family members can join from anywhere
Aged care decisions often involve siblings, attorneys and family members living in different towns, states or time zones. Online meetings make it easier to bring everyone into the same discussion.
- Phone or Google Meet appointments
- Family members can attend from different locations
- Clear explanation for attorneys and decision-makers
- Plain English documents that can be shared with the family
Why online works well for aged care advice
Many families do not need to drive to an adviser’s office. The key information can be gathered securely, meetings can be held online, and documents can be reviewed with all decision-makers present.
This is especially useful when one sibling is local, another is interstate, and an attorney or partner also needs to be involved.
Specialist aged care financial adviser
Speak with an adviser who understands aged care decisions
Rob Laurie and Aged Care Financial Advisers help families simplify the financial side of residential aged care. The advice focuses on practical decisions: how to pay for care, what to do with the home, how to manage cashflow and how to compare the options before committing.
The first call is free and obligation-free. It helps us understand your situation and explain whether our service is appropriate.
Frequently asked questions
Aged care financial planning FAQs
What does an aged care financial planner do?
An aged care financial planner helps families understand aged care fees, accommodation payments, RAD and DAP options, Centrelink/DVA implications, cashflow, the family home and other financial decisions connected with residential aged care.
When should we get aged care financial advice?
Families often seek advice when a parent or partner is entering respite, moving into permanent care, receiving a room price from a facility, or deciding whether to sell, rent or keep the home. Earlier advice can reduce rushed decisions.
Can you help us decide whether to sell the family home?
Yes. We can model the financial impact of selling, renting or keeping the home, including potential effects on cashflow, aged care fees, Age Pension and estate outcomes.
Can you compare RAD and DAP options?
Yes. We can compare full RAD, full DAP and part RAD/part DAP strategies so the family understands the cashflow and long-term implications of each option.
Do you provide advice Australia-wide?
Yes. We provide aged care financial advice Australia-wide by phone and Google Meet, which makes it easier for siblings, attorneys and family members in different locations to attend the same meeting.
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. You can discuss this during the free introductory call.
Is the first call free?
Yes. The introductory call is free and obligation-free. It is designed to understand your situation, explain how we help and confirm whether personalised advice is appropriate.
Get clarity before aged care decisions are locked in
If your family is deciding how to fund aged care, what to do with the home, how to pay the RAD or DAP, or how long money may last, start with a free introductory call.
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.