Aged Care Planning Advice in Sutherland Shire
Australians are living longer than ever! Life expectancy is now 81.1 years for men and 85.1 years for women (ABS, 2021–23), the fourth-highest in the OECD. Longer lives mean more years where aged care may become part of the plan. Getting the finances right early gives families more choice in the type and quality of care available.
Not Sure Where to Start with Aged Care Planning?
Some people come to me after a health scare, others when parents can no longer live independently, and some plan years in advance. Aged care isn’t just about finding a place. It’s about funding your care without draining family savings or losing pension entitlements.
What Aged Care Planning Advice Do I Offer?
Aged care decisions are financial, legal, and deeply personal. These are the areas I most often guide clients through:
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Compare in-home, respite, and residential aged care, weighing eligibility, affordability, and lifestyle preferences for each option.
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Understand Home Care Packages, means-testing rules, and how the Age Pension interacts with care costs.
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Break down basic daily fees, means-tested care fees, RADs (Refundable Accommodation Deposits), and ongoing payments.
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Structure super, pensions, property, and savings to make care affordable without eroding long-term wealth.
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Align aged care decisions with wills, trusts, and inheritance goals so wealth is preserved across generations.
Why Do Clients Choose Me for Aged Care Planning Advice?
Families usually don’t have time to learn the system from scratch. They want advice that’s accurate, timely, and practical. Here’s what clients value when they work with me:
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I’ve advised families across the Sutherland Shire and Sydney navigating aged care alongside pensions, super, and property.
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Complex care fee structures are explained in plain English, with clear recommendations you can act on quickly.
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Aged care advice is integrated with retirement income, pensions, and estate planning so nothing is left out.
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Advice is built around next steps, not abstract theory, which helps families act with confidence under pressure.
Client Experience
Nothing speaks louder than the experiences of people who’ve sat where you’re sitting now.
Need Help with Anything Else?
Superannuation
Making the most of your super, from regular contributions through to withdrawals and tax-free pensions so you feel confident at every stage of life.
Transition to Retirement
Structuring your income streams as you ease out of work, while keeping your lifestyle and tax planning on track.
Inheritance Advice
Helping you manage family inheritances in a tax-smart way, so wealth is preserved and distributed as smoothly as possible.
Shares & ETFs
Building and managing portfolios of shares and ETFs, with strategies designed to balance growth potential against sensible risk.
Property Investments
Guiding you on when and how property can play a role in your broader financial plan, including super and tax considerations.
Pensions
Setting up reliable tax-free retirement income streams that give you security today while protecting your financial future.
First Home Buying
Helping younger clients step into the property market with clear strategies on saving, borrowing, and long-term planning.
Ethical Investing
Designing investment strategies that align with your personal values while still focusing on growth and financial outcomes.
Wills & Estate Planning
Ensuring your assets are protected, your wishes are carried out, and your loved ones are supported into the future.
Every plan is personal. I’m not tied to banks or big corporates, and I don’t use rinse-and-repeat templates. The strategies we build together reflect your goals, your values, and the life you want to live.
Don’t Leave Aged Care Planning to the Last Minute.
Care decisions often come suddenly. The earlier you prepare, the more options you’ll have for quality of care and financial sustainability. Book a free 15-minute call today and start mapping a plan that protects both your wellbeing and family wealth.
Aged Care Planning FAQs
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A financial planner explains fee structures, models cash flow, and structures assets so care is affordable without unnecessarily reducing wealth. They integrate aged care with pensions, superannuation, and estate planning to help families make fast, compliant decisions while preserving long-term financial security.
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Ideally years before it’s needed. Early planning ensures assets are structured tax-effectively, RADs or daily fees are affordable, and pension entitlements are protected. Waiting until a health crisis reduces options and may force rushed financial decisions.
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Common fees include basic daily fees, means-tested care fees, accommodation payments (RAD or DAP), and extra service charges. A financial planner breaks down which apply to your situation, models long-term affordability, and advises on strategies to minimise means-tested costs.
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Government support is based on income and assets tests. Subsidies reduce care fees but may reduce Age Pension entitlements. Planners help structure assets and income streams to optimise eligibility, ensure compliance with rules, and prevent unnecessary loss of benefits.
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Yes. Super balances and account-based pensions can be drawn down to cover costs. The key is structuring withdrawals tax-effectively and ensuring longevity of income. A planner coordinates super strategies with aged care fees so that care is funded sustainably without exhausting retirement savings.
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The family home is exempt from the assets test if a spouse remains living there but otherwise may be counted. Selling can trigger means-tested fees and Age Pension changes. A planner models outcomes of keeping versus selling before decisions are made.
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Yes. Inheritances add to assessable assets and can increase means-tested fees or reduce pension entitlements. A financial planner helps decide whether to direct inheritances into super, trusts, or other structures to preserve as much benefit as possible while remaining compliant.
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Estate planning ensures assets pass smoothly while accounting for aged care needs. Planners coordinate wills, super nominations, and powers of attorney with financial strategies so aged care costs don’t undermine inheritance goals or create disputes among family members.
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Parts of aged care financial advice may be deductible if directly related to generating assessable income or managing investments used to fund care. Advice purely about lifestyle or estate issues usually isn’t. Planners work with accountants to confirm deductibility and reduce after-tax costs.