Aged care consulting in Dawes Point, New South Wales 2000

We provide funding solutions to residents and their families in order to pay for their care and accommodation.

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

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

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.

The Aged & Community Care Providers Association (ACCPA) is the national Industry Association for aged care providers offering retirement living, seniors housing, residential care, home care, community care and related services.ACCPA exists to unite aged care providers under a shared vision to enhance the wellbeing of older Australians through a high performing, trusted and sustainable aged care sector. We support our members to provide high quality care and services while amplifying their views and opinions through an authoritative and comprehensive voice to government, the community and media.

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.

Assistance for families to stay in their own homes as they age - we help them to navigate My Aged Care, set themselves up for success, get in-home care in place and find a home care provider.Facilitating Independence via self-management, aides & equipment, & environmental adaptationsRequesting and preparing for ACAT Assessments, knowing what to ask for and howPutting care in place and finding a home care provider that meets your needs (not one that makes you meet theirs)