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.
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.
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.
Do you need to place someone into care?
High and low level care placements
Respite and permanent placements
Specialising in frail aged, dementia and behavioural issues.
You don't need to go through the process alone, allow our experienced and dedicated team at Health and Aged Assist (QLD) to obtain the best care option for you. Our professional staff can:
Assist with explaining accommodation payments (RAD/DAP or RAC/DAC).
Take the uncertainty out of choosing the most appropriate facility.
Guide you through the complete placement process taking out the guesswork and giving you peace of mind.
Assist to organize a Power of Attorney, appointment of Guardian or administrator?
Complete and lodge all applications and paperwork and provide advice on what they all mean.
Take the time, stress and complexity out of the placement process.
Assist with obtaining the best financial outcome for entering into care.
Explain all your care options before making the important decision to place someone into care?
Assist with relocation, removal and/or storage of household contents?
Please CALL NOW and let us assist you. Ph: 1300 730 074 or (07) 38060483
Also enquire about our:
Case Management Program
Real Estate Advocacy Service.
Servicing all of Queensland and northern New South Wales.
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
If an Aged Care and Centrelink Specialist is what you are looking for then look no further than Phase 3 Retirement Solutions, as Peter Donovans’ qualifications and experience fit this profile. These two specialties also tie in beautifully with retirement planning as well.Having demonstrated high ethics and compliance throughout his career, showing that understanding individual needs and goals are paramount to providing clients with financial knowledge, experience and expertise.
Peter takes the time to get to know you, your goals and financial situation and what is truly important to you, before developing a personalised retirement plan. His aim to provide all clients and their families with the confidence and peace of mind that comes with financial security.
Contact Peter to discuss a tailored solution to meet YOUR needs not something off the shelf.
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.
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.
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)
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.
Preparing the way for yourself or a loved one to enter residential aged care can be a difficult and stressful task. But you don’t have to face it alone. By getting advice we can guide you through the process and support you to create effective solutions for your family.
As your adviser, we can
• Help you and your family to understand the range of care options and how the aged care system works.
• Review your financial situation to help provide solutions that meet your goals and objectives.
• Review the potential for strategies to maximise your age pension and minimise aged care fees.
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.