Our Mantra
To take as much of the stress out of the financial impact of an entry to permanent aged care as possible
To evaluate the financial options and help to minimize costs and optimise the future value of your estate 
To be able to help your financial decisions along the pathway ahead.

Our Pledge
We use our skills to shift the financial stress from your shoulders 
We will look after the dollar side while you focus on the personal side of moving your loved one into permanent aged care 
We work with what you have to try to make it cover what you need 
We only ever do our best! 

Your advisor is a properly authorised and qualified financial planner, who specialises in financial planning for people entering aged care.

How we can help you

Get in touch now

Emergency helpline

The Process

The services that we provide relate to 5 distinct steps involved in a person’s entry to permanent aged care. Each of those steps are summarised here:

Getting Ready to enter care

Arrange to have an ACAT assessment of your need to enter permanent aged care

Find accommodation at an Aged Care facility that meets your needs

Get your information together to complete the Income & Assets form SA 457

Review or prepare your Will and Enduring Power Of Attorney documents

Entry to permanent aged care

Present us with your draft SA 457 form &/or our Essential Fact Find for evaluation

We model up to 5 Financial Strategy options for you to consider and assess your potential Means Tested Fee

We share our advice with you and suggest further ‘tweaking’ to reduce costs where possible

Actions to improve the financial situation

We now consider how to best finance the upfront and ongoing fees to ensure that what you have can cover what you need. Should the RAD be paid in full or part plus a DAP etc.?

Is it best to retain, rent or sell the family home: a key question that is of paramount importance from many perspectives must be addressed

We usually recommend that a funeral bond be put in place if not already

Other sophisticated financial products may be suggested to improve your position

An updated SA 457 is often created from this process

Completing the deal with the aged care facility

You have 28 days from the date of permanent entry to finalise a deal and settle how you are going to cover all of the costs

At this point of entry we now turn our attention to making sure that residual assets are properly and complimentarily invested going forward

Ongoing review of fees/investments

We assist further as your financial circumstances change and provide a service to ensure that your MTF is at an optimal minimum

We review your general asset position and the ongoing suitability of your investments and their performance

Let us help you to make the entry of your loved one to Permanent Aged Care as stress-free as possible

Our Mantra

Our Pledge

The Process