Our Holistic Approach

My fundamental objective is simple yet comprehensive:

Achieve the appropriate care with the greatest financial efficiency while honouring your family's complete needs.

In practice, this means addressing three essential areas:

🤝 Emotional Needs

  • Preserving dignity & respect throughout the transition to care
  • Minimising stress and anxiety for the entire family
  • Maintaining meaningful connections and quality of life

🏠 Care Investment & Cost Management

  • Evaluating accommodation payment options (lump sum vs. daily payments)
  • Comparing facility costs and fee structures
  • Planning for escalating care expenses over time
  • Optimising the financial aspects of care transitions

💰 Financial Strategy & Asset Protection

  • Maximising Centrelink benefits and government subsidies
  • Structuring assets to minimise aged care fees
  • Preserving inheritance and protecting family wealth
  • Creating sustainable funding strategies for long-term care costs

🤝 Family Financial Security

  • Protecting the family home and key assets
  • Managing cash flow during the transition period
  • Coordinating spouse and family financial needs
  • Ensuring dignity through proper financial planning rather than crisis-driven decisions

The right financial strategy ensures your loved one receives quality care without compromising your family's financial future.

So, how do we start the process?

Step 1: ACAT Assessment - Your Starting Point

Every aged care journey begins with an Aged Care Assessment Team (ACAT) assessment. This comprehensive evaluation determines your specific care needs and identifies which facilities can provide the appropriate level of support. An ACAT assessment is mandatory for entering aged care, and we're here to guide you through this crucial first step.

Step 2: Financial Planning and Strategy

Once your ACAT assessment is complete and you understand your care requirements, the next critical step is developing a comprehensive financial strategy. This process requires expertise in multiple areas:

Asset and Income Analysis

  • Evaluation of your family home and other assets
  • Assessment of your overall financial position
  • Understanding of your family's estate planning objectives

Fee Structure Guidance

  • Clear explanation of accommodation payments, daily fees, and additional service costs
  • Strategies to optimise your payment options, improve centerlink outcomes and maintain cashflow
  • Protection of your financial interests while securing quality care

Step 3: Centrelink Benefits Assessment

A qualified financial adviser will review your eligibility for available Centrelink benefits and aged care subsidies, ensuring you receive all entitlements that can help offset care costs.

Step 4: Application Support and Facility Placement

With your financial strategy in place, we assist with completing application documentation and coordinate with your preferred aged care facilities to secure your placement.

Why Professional Guidance Matters

The aged care system involves complex regulations, substantial financial commitments, and life-changing decisions. Our comprehensive approach ensures you make informed choices that protect your financial security while securing the care you need.

To speak to our team about your Age Care needs, click here