Specialist Lifestyle and Care advice
Aged Care Financial Advice
Feeling overwhelmed by aged care? You’re not alone. Aged care financial advice is highly specialised, and the decisions made in the first weeks can affect fees, care costs and Age Pension entitlements for years to come.
Why specialist advice matters
Aged care decisions are about care, family and finances.
Choosing care for someone you love is emotional. It is also one of the most significant financial decisions many families will ever face. Our Lifestyle and Care team works exclusively in this area, helping families across Australia understand their options, reduce uncertainty and make decisions with confidence.
Free guide
Start with the questions families ask first.
The fees to expect, the choices around the family home and the decisions that matter most, explained in plain language.
How it works
A clear path through a complex decision.
You do not need to understand every aged care rule before speaking with us. For many families, aged care decisions arrive suddenly and there is little time to weigh up every option. We start by understanding your family’s situation, then help you compare your options and move forward with clarity and confidence.
Tell us what is happening
We listen first. Your circumstances, care needs, family priorities, timing and the decisions already on the table.
Understand the full position
We review assets, income, the family home, Age Pension entitlements and the likely care pathway.
Compare your options
Our team will model different strategies and explain the trade-offs in plain language, so everyone involved can make an informed decision.
Move forward with support
You receive a clear plan and support with the paperwork, payments and practical steps that follow.
Decisions we can help with
Keep the care decision at the centre
Your loved one’s care needs come first. Choosing the right care is only part of the decision. Families also need to understand the financial implications and the options available to them. These are some of the areas we can help with.
- Understand fees and long-term care affordability
- Structure assets and income for care
- Make the most of Age Pension entitlements
- Compare accommodation payment options
- Home care costs under the Support at Home program
- Retirement village and granny flat arrangements
- A partner remaining in the family home
Common questions
Questions we are often asked.
What does aged care financial advice cover?
Aged care financial advice covers the key financial decisions involved in care at home or residential aged care. This may include understanding fees and care affordability, deciding whether to keep, sell or rent the family home, structuring assets and income, and understanding how Age Pension entitlements may be affected. We help families understand their options, compare different approaches and make informed decisions with confidence.
When should we get aged care financial advice?
Ideally, before any major decisions are signed or put in place. The treatment of the family home, accommodation agreements and how assets are structured can all affect aged care fees and Age Pension entitlements, and some decisions can be difficult to reverse. Early advice keeps more options open. That said, many families come to us after care has already begun, and there is often still an opportunity to review arrangements and improve outcomes.
Do we have to sell the family home to pay for aged care?
Not necessarily. For many families, the family home is both a financial and emotional consideration. Keeping, selling or renting the home can affect aged care fees and Age Pension entitlements in different ways, and the most appropriate option depends on your circumstances. We compare the options side by side so you can understand the financial implications before making a decision.
How are aged care fees calculated?
Aged care fees are generally based on a person’s income, assets and care arrangements, and the rules differ between residential aged care and care at home. Since 1 November 2025, new entrants to aged care have been subject to a revised fee structure. We help families understand how the current rules apply to their situation, what costs to expect and how different decisions may affect ongoing care expenses.
How much does aged care financial advice cost?
The first phone conversation is an obligation-free opportunity to discuss your situation and whether we can help. If you choose to proceed, advice fees will depend on the complexity of your circumstances and the work required. Any fees are explained upfront and confirmed in writing before advice is provided, so you understand exactly what is included.
Do aged care facilities have financial advisers?
Aged care providers generally do not provide personal financial advice. While they can explain their accommodation costs, fees and services, they cannot advise on how to structure assets, manage the family home or maximise Age Pension entitlements. A specialist aged care financial adviser works independently for your family, helping you understand the financial implications of the decisions ahead and the options available to you.
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Talk to a specialist
A clearer next step starts with one conversation.
You do not need to navigate aged care on your own. Our Lifestyle and Care team can help you understand your options and the financial implications of each aged care decision.