You care for them.
We’ll take care of the numbers.

Moving a parent or partner into permanent aged care is emotional enough. We look after the dollar side, from the SA 457 form to your funding options, and explain every choice in plain language, so you can focus on the people you love.

Call us todayHow can we help

Welcome to Aged Care Advisors

Aged care financial advice for families

Our team helps individuals and families understand the financial decisions involved in moving into aged care, providing clear, practical advice customed to their circumstances.

Your adviser is a qualified and authorised financial planner specialising in aged care. We model different financial scenarios and explain your options, so you can choose an approach that suits your family, without having to work through the numbers on your own.

Knowledge

Qualified financial planners and Accredited Aged Care Professionals™ who work with the aged care funding rules every day.

Experience

Part of Nixon Financial Services, a financial planning firm with a history dating back to 1973.

Trust

Clear, practical advice tailored to your circumstances and explained in plain language.

Our services

Financial advice for every stage of care

If a member of your family is likely to need permanent aged care in the next 6 months, the best time to contact us is right now.

Our mantra and pledge

Here for you, every step of the way

Our mantra is to take as much of the stress out of the financial impact of an entry to permanent aged care as possible. These are the promises we make to every family we help.

  • We use our skills to shift the financial stress from your shoulders
  • We look after the dollar side while you focus on the personal side of moving your loved one into care
  • We work with what you have to try to make it cover what you need
  • We evaluate the financial options to help minimise costs and optimise the future value of your estate
  • We help with your financial decisions along the pathway ahead
  • We only ever do our best!

Let us help you make aged care fit within your means.

What our advice covers

The process, step by step

The services that we provide relate to 5 distinct steps involved in a person’s entry to permanent aged care. Select a step to see what’s involved.

Step 1 of 5

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

Step 2 of 5

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

Step 3 of 5

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

Step 4 of 5

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

Step 5 of 5

Ongoing review of fees and 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
Call us today

The best time to talk to us is right now

If a member of your family is likely to need permanent aged care in the next 6 months, seek advice now. Many things can be done to minimise the financial impact ahead of time.

Call 1300 930 084Send us a message

Testimonials

Kind words from families

Families share what it was like to have experienced advisers beside them through the move into permanent aged care.

Read more stories
  • They could not be more helpful, knowledgeable and responsive regarding the complex aged care financial landscape. … I feel very comforted knowing that they are there to assist and provide experienced and professional advice.
    Jenn S
  • Faced with the prospect of both my parents requiring permanent aged care at the same time, I was assisted by Bob and his team who simplified the process for my family and helped me to understand the financial implications.
    Joe B

Our team

The people who will help you

Qualified financial planners and Accredited Aged Care Professionals™ who help families make sense of the move into permanent aged care.

Leigh Jenkins

Leigh Jenkins

Senior Financial Adviser

Rod Harper

Rod Harper

Financial Adviser

Judy Mackenzie

Judy Mackenzie

Accredited Aged Care Professional™

An older couple laughing together

About us

Backed by a firm with a history dating back to 1973

Aged Care Advisors is the aged care advice division of Nixon Financial Services. Many of our clients are a great distance from where we are based and that is never a problem: the rules for entry to permanent aged care apply exactly the same all over Australia, and we can meet by phone, Zoom or Microsoft Teams, email, ‘snail mail’ and even in person.

Guides and resources

Understand aged care before you decide

Plain-language guides to the assessment, the fees and the rules for new residents.

Aged care guide and assessment

See what an assessment letter looks like, and how your referral code lets you choose a service provider.

Read the guide

Aged care fees

The four types of charges for residents who entered care before 1 November 2025.

Know the fees

Fees for new residents from 1 November 2025

Lump sums, daily payments, the 2% a year retention, and the new hotelling and care contributions.

Read the rules
Read our FAQs

We’re here when you need us

Tell us what’s happening and we’ll explain where to begin. Urgent and after hours? A message through our contact form reaches a team member’s mobile.

1300 930 084Send us a message