Financial in Koorawatha, New South Wales 2807
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Aged care financial advice is a highly specialised field in which most financial planners only have a limited understanding. Alters' specialist lifestyle and care financial advisers are aged care specialists and are highly skilled to assist you or your loved one to make what can be a challenging transition with confidence.
We can provide you with all the information and advice you need to make an informed decision, covering key issues such as, fee structures and affordability of care, correct structuring of assets and income, maximising Centrelink/DVA Pension entitlement, and decisions around keeping or selling the family home.
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Make a plan, it's a safe bet
Pre-planning your funeral gives you the opportunity to pay in advance and remove the financial burden from your loved ones when it comes time to say goodbye.
Guardian Plan allows you to agree a cost for your funeral at today’s prices, which may save you thousands. And while the price is locked down, you’re free to move. Your Guardian Plan prepaid funeral can be transferred to over 240 locations around Australia.
What are the benefits of pre paid?
A Guardian Plan pre-paid funeral won't only give you peace of mind, it can also save you money with our lock-in price that won't change with inflation. The price depends on what you choose for your funeral. Most people spend around $6,000 - $15,000.
Lock in price
We believe everyone deserves to say goodbye with respect and dignity, regardless of their financial situation. That’s why we’re helping Australians secure today’s prices, for tomorrow’s funerals.
Flexible Payment
While your initial cost will depend on your inclusions, there are no additional fees once you've paid in full. You can pay in full or pay an initial 30% contribution, followed by monthly instalments over 36 months. The choice is yours. Monthly instalment payment is not available for packages, full payment is required at the time of arranging your pre-paid funeral.
Simple paperwork
You can expect a straightforward and quick application process, with no extensive paperwork or health checks required.
Tailor your plan
A prepaid funeral means your loved ones won’t have to worry about making the right decision. It’s a simple way for them to say goodbye in a way that reflects you, your life and your budget.
Pension and entitlements
The Australian Government uses asset tests to determine pension entitlements for a retiree. As Guardian Plan is exempt from these tests, it’s a simple way for seniors to maintain their current age pension benefits.
Security
All payments are held securely by The Over Fifty's Guardian Friendly Society, under APRA regulation.
Guardian Plan is a funeral bond issued by the Over Fifty Guardian Friendly Society Limited (the Society) ABN 81 087 649 063 AFSL 524353. InvoCare is Australia’s leading provider of funeral, cemetery, crematoria and related services. Funds invested in the Guardian Plan are generally non-refundable and must be used to pay for funeral expenses. Terms, conditions and eligibility criteria apply. Before deciding, please read the Guardian Plan Product Disclosure Statement (PDS) and Target Market Determination at guardianplan.com.au, or by calling 1800 220 888. Consider whether this product is right for you and whether it meets your financial objectives and needs.
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Advisors & Professional Services
Perth Aged Care Financial Advisers
Provided by
Perth Aged Care Financial Advisers
Perth Aged Care Financial Advisers are here to assist with navigating the complexities of residential aged care. Our personalised approach is proven to make a real difference, whether it be for yourself or a family member. Our goal is to help manage your family's finances wisely and avoid costly mistakes. Our specialists ensure you understand the intricate and ever-changing rules of aged care fees, alleviating stress for families during this challenging time. Trust us to guide you through a stress-free transition into residential aged care, ensuring peace of mind.
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About Us
We’re a team of experienced aged care specialists dedicated to helping families across Australia make
sense of the aged care system.Our services include:
Assistance with Centrelink and aged care documentation Guidance on care options, fees, funding, and eligibility
Support with transitions into residential aged care or home care packages
Clear explanations of your rights, obligations, and options under Australia’s aged care framework
We also stay up to date with ongoing Aged Care Reforms — including the Support at Home program
and new residential care standards.
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Advisors & Professional Services
Balance Retirement & Aged Care Specialists - Financial Specialists - Servicing Australia Wide
Provided by
Balance Aged Care Specialists
Balance Retirement & Aged Care Specialists are a family owned and operated financial company that have specialised in financial planning, aged care, retirement villages, private home care, and estate management for over 15 years. Our role is to help clients navigate through their later stages of life, as everyone's financial situation is unique. We use our own software that we created to easily show our clients the options that they have available to them and how it will affect their personal finances. We understand that clients want options when making decisions about their future and we help guide them by providing financial outcomes of those options to help make their decisions easier. We can help you regarding all matters aged care including- Am I going to be Supported or an Unsupported resident?- Do I pay a RAD, DAP or Both? - How am I going to pay for Aged Care & can I minimise the fee’s? - Can I maximise my pension? - Can someone help me fill out the Centrelink/DVA forms? - Are there facilities that can cater to my needs? - Can I get help with my estate, so my family have one less thing to worry about? - Can someone show me the different financial choices I have? Call 1300 556 287 for your free phone consultation.We can also provide a concierge service if you are needing to sell or rent the home, needing trusts or reviewing wills and estates, help to find an aged care home through aged care placement, or a flat fee probate service.We have mobile specialists across NSW, ACT, QLD and TAS that can come to you or we can use video technology to conduct meetings which is discounted from our face to face price all across Australia.
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My Care Path helps elderly Australians, their carers and families, navigate, select and access the best aged care to meet their needs. Whether considering government or privately funded options, home care, residential aged care or retirement living.Our services include:
An initial conversation to understand your unique situation
Shortlisting aged care services to match your needs
Explaining fees and charges within aged care
Negotiating options and fees as your advocate
Assistance with Centrelink and admission paperwork
Support accessing and understanding ‘My Aged Care’
Please call 1300 755 702 or fill out the contact form below to receive a call back.
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At Real Estate Care Service, we understand that entering into care can be a very traumatic and life changing experience for many individuals and their families; particularly when that process involves selling the family home.
As vendor advocates, our services are specifically tailored to help families and powers of attorney understand and manage the process of selling a property, following a loved one entering into care.
With an in depth knowledge of the financial implications of entering aged care, our team understand the importance of obtaining a realistic appraisal to correctly determine the type of accommodation bond and fees one pays in aged care.
Which is why we pride our key strength on selecting not only the best agency, but the best operator within that agency. Whether it be for an appraisal to complete an aged care asset assessment or to sell a home, the right agent matters.
Looking to sell - With over 10 years’ experience working with the aged care industry, our dedicated team are here to help from start to finish, including preparing the property for sale, sourcing the right agent, managing the campaign, conducting the auctions, right through to settlement.
Assisting and working with individuals and families at this testing and transitional time is our passion. We are committed to helping you achieve a hassle-free outcome, at no extra cost to you.
Do you need to sell a property to enter aged care?
Has someone you know entered aged care and you need to sell their property?
Do you require a FREE appraisal for your Assets Assessment?
To find our more click on the ‘View Website’ button or call
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Advisors & Professional Services
ACA PrimeCare Financial Planning
Provided by
PrimeCare Financial Planning
Aged Care Advisers Australia Wide!INDEPENDENT AGED CARE SPECIALISTS SINCE 2007Interactive Video Consultations Also Available! "Aged Care Financial Specialist Australia Wide"
Financial Consultations & Advice
Expert Centrelink & DVA ServiceHome Care Options Explained
Aged Care Accommodation Placement Service
RAD & Fee Negotiation.
We Don't Do Anything Else!How does the 2025 Aged Care Reforms Impact you?Higher RADs * RAD Retention * Higher Fees!Book an appointment with our aged care experts to find the mosteconomical way forward for your loved one!Contact us on 1300 853 875 or enquire@primecarefinancial.com.auThe PrimeCare Commitment to You:
Flat Fee ConsultationsMinimise your means tested care fee
Explore all options to maximise your Centrelink / Veterans Pension
Explain the fees, charges and entry and exit costs
Explore options to retain the family home and finance the accommodation costs
Illustrate the financial implications if you sell the family home
Compare a range of cash flow scenarios to ascertain the most affordable option
Complete and lodge the Centrelink forms – to save you time
Explain all the savings available for self-funded retirees
Make all information clear and easy to understand via an information road map
Empower you to understand the aged care maze.
You're sure to find one of our expert independent advisers near you! Our Offices:Ballarat * Bentleigh * Camberwell * Dandenong * Geelong Heidelberg * Mt Eliza * Ringwood * Sunshine * Templestowe Australia Wide, Video Consultations also available!FAAA CFP® AFP ProfessionalsHolder of our own Australian Financial Services License No. 473141
Advisors & Professional Services
Financial Success SA - Aged Care Specialists
Provided by
Financial Success SA
We understand that arranging alternative accommodation for a loved can be a daunting and stressful time. As specialists, we have the knowledge, experience, and professional skills to help you. It is our role to guide you through the overload of information and uncertainty, helping you to achieve the best outcomes for your family and loved ones.
We can help you with the following:
• best option for paying the entry fees
• confirming affordability of care
• best option for the family home
• best option for your income & assets
• maximising Government entitlements
• minimising ongoing costs
• maximising inheritance• completion of forms
• negotiations
• written financial advice
• staying on track
Contact: Denise Kipling on (08) 8223 6880 or email her by clicking on the 'Send a message' button. To find out more click on the 'Visit Website' button. * Denise Kipling is a Certified Financial Planner, FAAA Age Care Specialist, Accredited Aged Care ProfessionalTM, holds a Graduate Diploma in Financial Planning and has been providing Aged Care Specialist Advice since 2006; and a Member of Financial Advice Association Australia (FAAA). *Denise Kipling is an Authorised Representative No 235861 of Financial Success SA Pty Ltd ATF the Financial Success Trust ABN 68 114 614 838 t/as Financial Success specialising in Aged Care Financial Advice is a Corporate Authorised Representative No 235520 of InterPrac Financial Planning Pty Ltd AFSL 246638 ABN 14 076 093 680.Testimonials:'It has been such a relief having Denise help us with the finances for mum and dad over the past six months. She has an extensive knowledge of the ins and outs of aged care and provided us with a wide range of options which enabled us to make informed choices in regard to property, shares and investments. On top of this she showed a keen interest in mum and dad's well-being. We appreciated her understanding, patience and thoughtfulness during this challenging time.'Helen R.The advice contained within this document does not consider any persons’ objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product, persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information within this document. Persons doing so, do so at own risk. Before acquiring a financial product, a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.
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Advisors & Professional Services
Muirfield Financial Services
Provided by
Muirfield Financial Services
Aged care can be a confusing area. Muirfield Financial Services can help.
We Specialise in Aged Care adviceMaking the decision to enter aged care can be a very emotional one and once needed, people often find the complexity of aged care overwhelming. Having to make the difficult decisions during such a stressful and emotional time can adversely affect the person entering care over the long term.
Our Accredited Aged Care Professionals™, can help you determine the costs applicable to your chosen facility, the impact on Centrelink entitlements, options for the family home, and cash flow strategies to ensure living needs will be met.
Individual circumstances will influence Aged Care fees and strategies. It is important any advice obtained is specific to the person entering care, prior to a decision being made.
How we can Help?While Centrelink will advise you only of Centrelink consequences and Aged Care Facilities offer information about the costs of Aged Care, we help you put all the pieces together within the specific framework of your personal situation. Once the decision has been made to move to permanent care, Muirfield can clarify what fees will be payable. We provide specific advice on the following:
Refundable Accommodation Deposits (RAD/RAC) or Daily Accommodation Payments (DAP/DAC)
Daily Care Fee
Means Tested Fee
Extra Service Fees
Options for the Family Home
Maximising entitlements from Centrelink or Department of Veteran Affairs.
Financial Planning advice which captures your personal situation and provides peace of mind is essential prior to making any decisions regarding aged care.
To get the support you need, visit us online atwww.muirfieldfs.com.au/aged-care or call us on (03) 5224 2700.
About MuirfieldFor over 30 years Muirfield Financial Services has been helping people gain financial security and certainty over their future. Our focus is to deliver quality and easy to understand financial advice.
In choosing to partner with Muirfield Financial Services you will gain access to a financial planning practice who understands the value of professional advice, integrity and service.
We have helped families and individuals Australia wide make informed choices about their financial futures. These clients continue to benefit from our ongoing relationship and advice and have the freedom to enjoy a life less stressful. With offices in both Geelong and Torquay we can assist you at a location convenient, or online. For families outside these areas we offer phone conferencing, video conferencing and email communication to ensure your advice needs can be met.
Muirfield Financial Services was one of the first financial planning practices in Victoria recognised as a Professional Practice by the Financial Planners Association of Australia (FPA). Being a FPA Professional Practice sets Muirfield apart as a leader and role model for financial planning within the community.
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Advisors & Professional Services
Powers of Attorney & Advance Health Directives
Provided by
Turner Freeman Lawyers QLD
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Your Guide Through Aged Care Fees & Homes • Practical guidance to find the right aged care home • Clear explanations of fees and payment options • Compare providers with unbiased, up-to-date information • Easy online resources to help you plan or act quickly • Trusted support for families making care decisions
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COTA Insurance is one of very few Australian insurance agencies that operates on a not-for-profit basis. All surplus funds that we generate after deducting our costs are returned to COTA (Council on the ageing) to support their great work to improve health and well being, social connectivity and participation of older Australians.Your insurance policy with us goes beyond protecting you and your assets – it also supports our great cause.
The insurance covers available include:
Travel Insurance
Home and Contents Insurance
Landlord Insurance
Car Insurance
Caravan and Trailer Insurance
Boat Insurance.
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Manifest Financial Wealth are a Canberra based boutique financial services business that provides financial and investment advice to individuals throughout Australia. They have access to a wide range of financial products and services through their in house offering and alliances with strategic partners, to help you through every stage of life. They can assist you to preserve your wealth later in life by implementing a financial roadmap for your unique circumstances.
Manifest Financial Wealth specialise in Aged Care Advice and can assist you in the following areas:
Should you keep or sell the family home
Review cashflow to determine aged care affordability
Develop strategies to fund the accommodation costs and ongoing fees
Maximise Centrellink Pension entitlements
How best to invest funds to meet aged care costs
Review estate planning arrangements
Assistance with all paperwork.
Paul Zobonos and Manifest Financial Wealth Pty Ltd are Authorised Representatives of HNW Planning Pty Ltd AFSL No. 225216
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