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.
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
We understand that planning for aged care can be overwhelming, with numerous decisions to make. That's why we're here to provide you with financial guidance every step of the way. We know that choosing the suitable aged care facility, determining the level of care required and deciding the best financial options can be complicated and confusing.
As experts in aged care financial advice, we can help make the process easier for you.
Our services include.
• Ensuring you understand the available care options and their costs,
• Organizing your finances to pay for the appropriate level of care,
• ensuring you receive and maximize Centrelink/DVA entitlements.
• Dealing with the paperwork.
You don't have to navigate this process alone. Contact us today and speak with our aged care specialists, who are here to assist you with empathy and understanding.
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.
Alex Brown Strategic Financial Planners is an experienced family- owned financial planning practice in Gawler,SA.They believe everyone deserves high quality financial advice, regardless of their circumstance or financial position, and are committed to positively impacting your personal situation.They provide a range of holistic personalised financial planning services, providing specialised advice in, but not limited to, retirement planning, Centrelink services, insurance, superannuation, self-managed super funds (SMSF) and business owner services. Alex Brown Strategic Financial Planners work with you to bring your financial needs together into a plan that simplifies your life, providing peace of mind.
Assist you & your family to understand the range of care options and how the aged care system works.
Outline steps ahead to help you find & access the right type of care.
Act as a central reference point for clear, relevant information on aged care and how your finances are impacted.Help you to evaluate what you can afford so you can focus on searching for a suitable aged care service.Explain the fees & how they are calculated to estimate what you might need to pay.
Evaluate the options and strategies for your accommodation payment.
We make your financial options easy to understand so you know exactly what lays ahead for you and will work directly with you or your family group to ensure your wishes are heard and you have a plan in place that is in your best interests.We can come to you at home, your aged care residence or in our offices across Scenic Rim, Gold Coast, Brisbane and Sunshine Coast, at a time that suits you.
Specialists in Aged Care Financial Advice & Retirement PlanningOur structured and disciplined approach to providing advice is designed to simplify your life. We do the hard work so you can make informed financial decisions, without the stress.Our service is end-to-end. We work with Centrelink and service providers to put your plan in place. Whether you are applying for the Aged Pension, Home Care or Residential Aged Care support, we can help you understand your options.
Organizing aged care for a loved one is traumatic and emotional enough without the money side of things.
Our view is that the financial aspects and implications of aged care are best discussed face to face. We can present you with all the scenarios in our initial consultation, providing you with the information to make key decisions quickly. In person, phone or Zoom - we can help!Don’t be fooled into thinking you need an expensive financial plan to enter aged care. You just need the options, presented quickly and in plain English.
SFR Advisory Group is a truly multi-disciplinary advice practice with expertise in Financial Planning, Aged Care, Self Managed Super, Taxation, Property and Estate Planning and Administration. By combining our extensive experience and scope we can provide the best integrated personal advice beyond what is otherwise available by limited advice firms. SFR Advisory Group more importantly aims at being a caring organisation that wants to make our sophisticated advice service that is normally only available to the ultra-well-heeled to the broader community. Service Offerings Include:• Estate Planning Review – EPAs, EPGs, Living Wills, Wills, Testamentary Trust - Absolutely necessary before you or your loved ones lose capacity.
• Centrelink Review – Are you optimising your benefits? Including Centrelink and Aged care Nominee services
• Home Care vs Institutional Care.• Accommodation Planning – own home, strata or lifestyle village (lease-for-life) options.
• Taxation, Superannuation (including SMSF) and Investment Review.• Implications of incapacity or death and death tax minimisation strategies.
• Family Trust, Business Assets and Investment Property Review.
• Beneficiaries Special Needs or Circumstances Considerations.
• Estate Administration – full support for executors and trustee of estates including application for probate and complete administration service.We offer a $99.00 Review and a money back guarantee if you don't value the advice provided. (This can be done in person, over the phone or via video conferencing)"SFR has helped us tremendously! They meticulously prepared the application for probate, set up the the Estate bank account (and cheques deposited) , arranged the the dispersion and beyond, and were alongside both of us through everything, we honestly feel the services are too good to be true and they should be charging more! " Claire and Mike MCall or email us to arrange an appointment today to speak with a SFR Advisor.
Moving family members into aged care is a difficult & emotionally draining experience. The need to move often arrives with little warning and leads to a complex array of decisions related to bonds, Centrelink, the family home, income tested fees, contracts and the list goes on.
At Joseph Palmer & Sons we have a deep knowledge of the aged care system and all its intricacies and have gone through the transition to aged care with our own parents. Our personal journeys, together with our professional experience in financial services, enable us to provide expert advice and guidance through a difficult and emotional time.
We will demystify aged care to ensure the most appropriate decisions are made and an optimal financial outcome achieved.
Specific areas of consideration include:
Negotiating and structuring the refundable accommodation deposit
Minimising means tested fees / Maximising entitlements
Consideration of impacts on pension payments
Financial modelling with respect to funding the upfront and ongoing costs
Liaising with Centrelink
Decisions regarding the family home
Completion of all paperwork
Estate planning & investment considerations
Assistance with sourcing appropriate accommodation.
Testimonials…
“Ageing parents no longer able to live an independent life was a challenge and the process of finding an aged care solution was, frankly, overwhelming. After seeking advice from Joseph Palmer & Sons our situation was resolved quickly with placement being found in an aged care facility we didn’t even know existed. Joseph Palmer & Sons provided immediate comfort and clarity and we are ever grateful.”
Sean and Rosi M
“I was completely confused and bewildered but Joseph Palmer & Sons took care of everything. They negotiated the bond, achieved a lowering of the income assessed fees and qualified my parents for an increased pension payment. Knowing my parents’ needs were being taken care of properly and professionally gave me much needed peace of mind through this difficult period.”
Kay B
Sage Care Advice is privately owned, and the Sunshine Coast’s leading aged care financial experts, we have earned our reputation of excellence in this specialised field.We have a big commitment to assisting our clients with aged care funding issues. From achieving the right balance between minimising fees, maximising the age pension and ensuring affordability of care fees to liaising with your aged care provider and Services Australia. We reduce the burden of business and leave you more time to focus on your loved ones.We'll save you time and stress, leaving you to focus on your family.
We have a proven step-by-step process which will help you with aged care advice and placement, which includes:
Understanding individual care needs, financial situation, preferred location, and personal preferences
Completing Centrelink Forms SA485 or SA457
Shortlisting appropriate care homes
Arranging facility visits to your preferred timetable
Preparing application and admission paperwork
Monitoring applications and advocating priority admission
Negotiating the residential care fees, specifically the Refundable Accommodation Deposit (RAD) and other service fees (if applicable)
Our personalised service is tailored to your unique family requirements and covers all aspects of aged care advice and placement.
At Progressive Financial Solutions, our goal in the Aged Care space is to remove the added financial challenges you will face when placing a loved one into an Aged Care facility, allowing you to focus on the care of your loved ones. We provide you with multiple possible strategies to consider for your loved one and use our expertise to put a plan in place to maximise your loved ones cashflow and preserve their assets throughout their lifetime. We provide premium ongoing financial and Centrelink support while your loved one is in care.
Beacon Aged Care & Retirement Advisers helps you navigate the complexities of aged care with expert, personalised financial advice. We specialise in Centrelink and DVA benefits, aged care legislation, and funding strategies that bring certainty and peace of mind. Whether meeting face-to-face across Brisbane, the Gold Coast, and South East Queensland, or connecting via video anywhere in Australia, we deliver advice in plain language with transparent, fixed fees. We act quickly, explain clearly, and support you every step of the way. Let us simplify your aged care journey and give you the confidence to make informed decisions.