Aged Care Financial Advice

With you every step of the way

Aged care financial decisions can be complex and, in many cases, the stakes are high.

Our Lifestyle and Care team are aged care specialists who can assist you and your loved ones to make a challenging transition with confidence. 

Download our guide to aged care

Our exclusive booklet illustrates examples where specialist financial advice may assist in significantly improving financial outcomes. Complete the form below and your copy will be emailed to you.



    Our specialist aged care financial advisers provide you with all the information and advice you need specific to your situation, covering key issues such as

     

    • Fee structures and affordability of care
    • Correct structuring of your assets and income
    • Maximising your Centrelink/Department of Veteran Affairs (DVA) Pension entitlement
    • Minimising the ongoing cost of aged care
    • Decisions around keeping or selling the family home
    • Intergenerational wealth transfer

    “Working with Alteris felt like a team effort as I financed my mother’s future.” -Kym

    “We could not have got by without you and we are so grateful for all your assistance.

    We truly do not have the words to thank you for all you have done. To see mum settled into permanent residential care in a facility she loves means everything to us and we thank you from the bottom of our hearts.”

    – Judy and Bill

    Mi Serenata Tango
    January 25, 2024.
    Evan is a superstar! After floundering with my finances for years, he implemented a strategy for me that not only got my finances healthy for the first time in my life but optimised aspects of my superannuation, salary, and investment properties. I felt defeated before I ventured into his office but came out feeling smarter, wiser and worry free but most importantly, relieved, knowing that my finances were better managed. I couldn't ask for more. I feel happier with the forward planning, therefore, alleviating financial matters that I felt were beyond me! I am in good hands, and it is only upwards from here on. As Molly said, "Do yourself a favour", - visit him for honest advice so you can set your life on a solid financial path with the right foundations. It is never too late. Sabrina
    glyn doherty
    December 18, 2023.
    My family and I engaged Alteris to help us understand the myriad of issues and financial factors facing us as we planned for my father's entry to an aged care facility. We couldn't have been more pleased to have Ron Tyler from Alteris assist our education. Ron's friendly, relaxed style and undoubted depth of knowledge enabled us to gain answers to our many questions. Ron also helped identify a number of areas for our further investigation that we'd not previously considered. We were delighted with the service we received from Ron (and Alteris) and would thoroughly recommend them to anyone seeking to navigate the turbulent waters of aged care planning.
    Kenneth Beckett
    November 9, 2023.
    I recommend Alteris to anyone needing help when considering entering or having a relative enter a nursing home, this is how I used their services and I have nothing but praise for them. I was assisted by Ronald and Vin and can say that their assistance was invaluable, the prospect of doing the work myself was daunting and they turned it into an uncomplicated process. The advice I was given was clearly explained and it was invaluable when making a decision on the way to proceed. Ronald's financial advice was clear to me and totally what I needed. Vin's assistance in implementing the Government requirements and later dealings made things so straight forward it was easy. In conclusion I must say that they were always considerate always ready to explain and a pleasure to work with. Ken Beckett
    Cam Lang
    October 30, 2023.
    Nathan Hayes from Alteris has been a fantastic advisor! Always clear and concise and has always had my best interests in mind in all that he has done for me. Cannot speak more highly of Nathan!
    Amber Dalrymple
    October 30, 2023.
    I highly recommend Jillian Clarke​​​​ as a Financial Adviser. I was referred to Alteris when faced with choosing and financing an aged care option for mum (who has advanced Alzheimer's). Jillian spoke with my sister and me on a number of occasions when we were feeling pretty stressed and overwhelmed with the situation. We came away from each discussion with some clarity and a plan. Jillian provides consistent, clear advice that speaks to her extensive experience in this complex field. But, aside from being an exceptional adviser, she also supports her clients with empathy and understanding.
    John Thompson
    October 29, 2023.
    When Anna my wife went into Permanent Residential Care two years ago, I was confronted with financial and governmental issues that appeared daunting. I searched for assistance and Alteris Financial Group and you, Jillian, were recommended to me. Your initial approach to our issues was most informative and provided with clarity and empathy. What followed was a most reassuring and supportive ongoing relationship with you and your Alteris Team, to this very day. Your clear presentation of financial options enabled us to make foundational decisions that were appropriate for our ongoing financial situation, not only for my wife but also for me as her Carer. Negotiating the complexities of government agencies, I found intimidating but your expertise in this important area and that of your team members Nicole Blain and more latterly of Vin Baculao was and is so valued and appreciated. You and your team have served us with personal care and concern in our difficult Dementia journey helping us to make informed decisions. I am most grateful Jillian for you and your team working alongside me at all times. This has been personally empowering. John.
    Max Loftus
    October 24, 2023.
    Very happy with Nathan's expertise and personal and friendly approach. I recently retired and Nathan has been organising our retirement for a number of years now and we look forward to his support through our retirement. Nathan, along with Alteris have been a real asset. From Lyn and Max
    Vikram Murthy
    October 11, 2023.
    I am very pleased to provide this testimonial to Nathan Hayes of Alteris Financial Group, who began managing our portfolio two years ago. From the outset, Nathan has impressed us with his domain knowledge, his willingness to explore possibilities, his sensitivity to our needs and expectations, and his ability to leverage opportunities to our best advantage. Nathan’s approach is measured and thoughtful, the financial strategies he proposes are carefully considered, and his integrity, work-ethic, and attention to detail, are exemplary. I sincerely believe that Nathan is an exceptional professional who straddles the worlds of strategic portfolio management, long-term financial strategy, wealth retention, and retirement planning. I would have no hesitation in recommending him to anyone looking for an honest, intelligent, and empathic long-term financial advisor.
    Jennifer Sprod
    September 14, 2023.
    I have had a very positive experience with my financial advisor, Nathan Hayes. His expertise and dedication to my financial success have been evident in every interaction. He has consistently provided me with valuable advice and guidance, helping me to navigate complex financial decisions with confidence. His deep understanding of financial markets and strategies, combined with a genuine interest in my financial goals, has made him an invaluable resource. I appreciate his professionalism, integrity, and commitment to client service. I feel confident in his ability and trust him to manage my financial affairs. I would highly recommend him to anyone seeking a knowledgeable and reliable financial adviser.
    Carol Dor
    September 1, 2023.
    Over the years that Nathan Hayes has been our financial adviser, we have found him to be very knowledgeable and a pleasure to work with. We highly recommend his services to those seeking a friendly and competent adviser.

    We have helped thousands of families make the move with confidence, knowing that all the details are covered and the best strategy has been recommended.

    The best way to fund and manage aged care depends on your specific financial circumstances and goals. Our specialist financial advisers focus on understanding the needs of each individual and their unique situation. We guide you through the range of financial options and care support services available, anticipate issues that might arise and explain the best way around them.

    Speak to an aged care adviser

    For an obligation-free chat about the options you may have, tell us about your situation below, or call us on 1300 366 932

      What happens when clients meet with us?

      Jillian Clarke and Andrew Biviano discuss what clients can expect in their first meeting

      “The decisions that I was being asked to make were so complex and confronting that I was both physically and emotionally at the end of my tether.

      I don’t know how we would have managed without your support. Your care, kindness, compassion and technical expertise produced a dream outcome way beyond anything we had hoped for. We owe you a debt of gratitude that is unlikely ever to be repaid.”

      – Virginia aged care financial advice

      Your loved one’s care needs are the focus of our Lifestyle and Care advisers and client services team.

      Let’s talk

      1300 366 932