Moving to aged care

We are with you every step of the way

Someone you love may have reached a point where care needs have increased. For some, this is gradual. For others, a sudden health event means that additional care is required now.

There are many decisions to make when considering a move to aged care which can feel overwhelming with so many options and seemingly complex calculations.

This is where we can help.

Whilst we provide financial strategies and advice, what we really do is empower people moving to aged care to transition with dignity and peace of mind.

5 key steps to take when moving to aged care

Step 1. The ACAT assessment and choosing the home 

Before moving to aged care, you will need an assessment by the Aged Care Assessment Team (ACAT).

This assessment will identify the level of support needed and eligibility for permanent residential care.

If you’ve previously had an assessment and health needs have changed, you can request a new assessment.

The Government’s website, My Aged Care, includes a lot of useful information to help you understand your options and apply for the ACAT assessment

Next, choose the new home from the government-recognised list of aged care home providers. Arrange a tour, consider the room options you’d prefer, and check vacancies and waiting lists. 

Our Lifestyle and Care advisers can also provide guidance around the options available in your area.

Step 2. Understanding your options and the costs

There are many factors that influence the costs associated with aged care. This includes the location of your chosen facility, the services you receive, and your financial situation.

We have put together this exclusive guide which outlines the different types of fees and how they might apply to you.
The My Aged Care website shows the most up to date figures for each of the fees.

    Step 3. Covering costs now, and setting up for the future

    With such a significant life change, you want to know that you and your family are financially secure both now and in the future.

    This is where our advisers can support you by understanding what is important to you and your family, which is often beyond the numbers. 

    Our role is to help you to make big decisions knowing that you fully understand all the options available to you. This includes the long term impacts on the aged care fees, income (including government benefits) and assets. 

    Step 4. Putting your strategy into action

    It’s now time to complete the DHS forms for the initial assessment of the aged care fees.

    The assessment often takes several months and this can be ongoing especially when there are changes soon after entry such as a payment to the accommodation or change to the former home. It can feel very overwhelming, particularly at a time when so much else is going on.

    We can provide full support to relieve you of this burden. We use our experience to lodge claims, ensure that the calculations are accurate for your situation, and appeal any incorrect fees or pension payments on your behalf. We also provide confidence that government calculations take into account your complete situation.

    What happens when clients meet with us?

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

    Step 5. We’re here when you need us

    After moving to permanent care, there may be changes that impact the fees and pension entitlement and it’s important to ensure the Government departments are updated.

    We know that things change and you may need to make new decisions over the years.

    We’re always just a phone call away and can advise you further as well as continue to assist you with government departments.


    Nicola Walker
    Nicola Walker
    March 31, 2022.
    My sister and I received financial advice from Sulo Kulendran regarding our mother's move to residential aged care. Sulo was always helpful and friendly and the strategies she advocated have been very useful. We now feel much more informed about a very complicated business.
    Darren Cann
    Darren Cann
    March 4, 2022.
    Jillian Clarke from Alteris Financial Group provided me with Financial advice when my parents were moving in to the next phase of retirement. The advice was invaluable and helped me understand the complexities of aged care costs and make the right decisions for my parents. Jillian was patient and understanding during this difficult time and gave me confidence in my future financial decision making on behalf of my parents.
    Tony Adler
    Tony Adler
    December 16, 2021.
    Our family's dealings with Alteris and Jillian Clarke in particular have exceeded expectations. We were recommended to them in regard to our mother entering residential aged care. From the beginning the engagement was professional, caring and expert. Our needs were listened to and understood. The roadmap and accompanying tasks were fulfilled in line with their projections. Their communication was excellent throughout and Jillian was always available when required. Entering aged care is a complex business. Alteris and Jillian showed themselves to be experts in all aspects and I can thoroughly recommend them to families going through this process.
    Julianne Turner
    Julianne Turner
    November 16, 2021.
    Danii and Amanda were fantastic helping us with the transition of moving Dad to Permanent residency in a nursing home. Its stressfull enough without trudging through govermental paperwork and possibly paying way more that you have to. Thanks Danii and the team, we are very grateful.
    Nadia Paula
    Nadia Paula
    November 15, 2021.
    I reached out to Jillian out of the blue in desperate need of advice regarding the complexity of the aged care process that I was embarking on with my father. She gave me her time and advice with compassion and warmth and pointed me in all the right directions. Jillian then provided invaluable financial advice to my family, and ensured that we understood everything and made time for any additional questions or queries we had. I honestly don't know what we would of done without her valuable advice and kindness in such a challenging time. I can not recommend her highly enough.
    Nick Jones
    Nick Jones
    November 2, 2021.
    Approximately 2.5-years ago - as my mother (and our family) was navigating the ACAT, nursing home selection - there was a genuine need for understanding the financial costs of this life transition - and "the rules of the game" across from the Dept. of Human services. My mother's long-time solicitor referred us to Alteris (Chris Nothling and his team) specifically for the purposes of "Aged care financial planning" (distinctly differentiated from investment management/planning). If you are reading this review - you know this is a time with requisite stresses for all family members - there is much administration and a set of Government Department rules to navigate. We met with Chris twice; had 1-2 discovery calls also - and his advice was always clear, fact-based and well-presented to the family. Moreover, Alteris acted as guide (and importantly) managed the interface with Dept. Human Service and at times the Nursing home - to explain matters, and to keep on top of preventing additional collections/payments - when annual and lifetime caps were reached. After an initial assessment, we retained Alteris for the life of means tested fees (2.5-years) and this a service that benefited the family greatly in this period. Chris and his team were always punctual, acted with integrity and balance. Chris is an expert in the sphere - a published author - and has a genuine, calming empathy to his Clients needs. I give a strong recommendation of Chris/Alteris to families in a similar position to ours 2.5-3 years back. We are glad to have retained Chris/Alteris.
    Charles Rudner
    Charles Rudner
    October 21, 2021.
    Chris is great to deal with. He is extremely knowledgeable and is very helpful. I would be happy to recommend him to anyone.
    Melina Iuculano
    Melina Iuculano
    October 13, 2021.
    I have been a client of Alteris Financial Group for over 15 years and have worked closely with Kate Golder, who is the ultimate professional. Her market knowledge is outstanding as is her commitment to her clients. Her advise and support throughout the years has been exceptional, therefore I would highly recommend Kate and her team.
    Joanne Costanzo
    Joanne Costanzo
    September 20, 2021.
    Recently my elderly father was placed in aged care. Sulo Kulendran helped me through the process by providing valuable financial advice. Thank you Sulo for explaining how the aged care system works and advising us on the best path forward.

    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