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.
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.
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.
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 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.
I’m a business consultant who believes that strong foundations create sustainable, healthy growth. I work with , social enterprises, NDIS providers and purpose-driven business owners who are ready to grow.I’ve built, grown, and sold businesses across a range of industries, with a deep focus on mission-led and community-based models. My approach is practical, strategic, and honest. I help clients get clear on what’s working, fix what’s not, and build systems, structures, and teams that support long-term success. I’ll help you develop the solid business foundations—financially, operationally, and strategically—that make healthy growth possible.
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.
A unique approach
Designing your ideal future takes consideration and expertise - our approach focuses on understanding your goals then creating a plan to help you achieve financial freedom sooner.
Why choose us?
• We’re with you for life – we provide ongoing advice to ensure the achievement of your financial goals.
• Our advisers are some of the most experienced and recognised wealth professionals in the industry.
• We're fiduciares - meaning you can trust us.
• We’ve been looking after the advice needs of Australians for 100 years.
A unique approach to advice Designing your ideal future takes careful consideration and expertise - our approach focuses on understanding your goals then creating a plan to help you achieve financial freedom sooner.
Why choose us?• We’re with you for life – we provide ongoing advice to ensure the achievement of your financial goals.• Our advisers are some of the most experienced and recognised wealth professionals in the industry.
• We're fiduciares - meaning you can trust us.• We’ve been looking after the advice needs of Australians for 100 years.
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.