Aged Care Planning
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 (opens in a new tab)), the fourth highest in the OECD (opens in a new tab). 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.
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What Aged Care Planning Advice Do I Offer?
Care Pathways
Care can be at home through Support at Home, short-term respite, or permanent residential care. I compare each option on eligibility, expected cost, and how well it fits the life you want.
Support at Home
Support at Home replaced Home Care Packages on 1 November 2025, and clinical care under it is free. I work out your contributions for independence and everyday living services, and how the Age Pension fits.
Residential Care Fees
A new resident pays a basic daily fee, means-tested contributions towards hotelling and non-clinical care, and an accommodation payment. I add these up for your situation and show what they cost each year.
RAD vs DAP
You can pay for your room with a lump sum (RAD), daily payments (DAP), or both. I model which one costs you least, including the 2% annual retention on a RAD for new residents.
Asset & Income Strategies
Care costs can come from super, pension income, savings, and property. I plan which assets to draw on, and in what order, to keep the wealth you plan to leave.
Family Home
The home may count in the means test, and selling it can change your fees and your Age Pension. I model keeping, renting, and selling the home before you decide.
Estate & Family Planning
Care costs reduce what you leave behind, so your will and your care plan need to match. I align your will, super nominations, and powers of attorney with the care plan.
Personalised Plans | No External Influence | No Templates
Why Do Clients Choose Me for Aged Care Planning Advice?
Get understandable, unbiased advice on perplexing financial scenarios. Here is why you might enjoy working together:
Completely and Fiercely Independent
I own my business. I don’t work for a bank or a corporate entity. That means no product quotas to hit and no boss telling me what to recommend. My advice is focused entirely on your goals, values, and the life you want to live.
Work With One Person Throughout
Big firms swap advisers around every few years. If you choose to work with me, you won’t have to re-explain your life to a new person every time you book an appointment. I’ll still be the one in your corner ten years from now.
Explanations in Simple English
Super rules and tax options are confusing and unexciting to non-financial people. With words and a whiteboard, you will see, and not just hear, where you are today and how you’ll get to where you want to be.
Easy to Reach, Quick to Respond
“Call the office and leave a message” isn’t how anyone wants to reach their adviser. You won’t have to leave messages with the front desk or wait days for a reply. Stay in touch with me through text, email, or in person.
Honest Answers from Day Zero
If I can help you, I’ll tell you how straight up without a sales pitch or the pressure of obligation. If I’m not the right person for what you need, I’ll tell you that too and point you toward someone who is.
Locations
Suburbs
I’m based in Caringbah and opening a second practice in Inner West. Most of the people I work with live right here in the Shire or Inner West. If you’re nearby, chances are I already have clients where you live or work, which makes it easy to catch up in person when you need to.
Sutherland Shire
- Alfords Point
- Audley
- Bangor
- Barden Ridge
- Bonnet Bay
- Bundeena
- Burraneer
- Caringbah
- Caringbah South
- Caravan Head
- Como
- Como West
- Cronulla
- Dolans Bay
- Engadine
- Grays Point
- Greenhills Beach
- Gundamaian
- Gymea
- Gymea Bay
- Heathcote
- Illawong
- Jannali
- Kangaroo Point
- Kareela
- Kirrawee
- Kurnell
- Lilli Pilli
- Loftus
- Lucas Heights
- Maianbar
- Menai
- Miranda
- Oyster Bay
- Port Hacking
- Royal National Park
- Sandy Point
- Sutherland
- Sylvania Heights
- Sylvania Waters
- Taren Point
- Warumbul
- Waterfall
- Woolooware
- Woronora
- Woronora Dam
- Woronora Heights
- Yarrawarrah
- Yowie Bay
Inner West
- Alexandria
- Annandale
- Ashbury
- Ashfield
- Balmain
- Balmain East
- Birchgrove
- Camperdown
- Croydon
- Croydon Park
- Dulwich Hill
- Earlwood
- Enmore
- Erskineville
- Forest Lodge
- Glebe
- Haberfield
- Hurlstone Park
- Leichhardt
- Lewisham
- Lilyfield
- Marrickville
- Newtown
- Petersham
- Rozelle
- St Peters
- Stanmore
- Summer Hill
- Sydenham
- Tempe
If you don’t see your suburb listed, that doesn’t rule you out because I also work with clients across Sydney and the CBD who prefer an adviser close to home in the Shire or Inner West.
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.
Questions
Aged Care Planning FAQs
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.
Ideally years before it’s needed. Early planning ensures assets are structured tax-effectively, RADs (opens in a new tab) or daily fees are affordable, and pension entitlements are protected. Waiting until a health crisis reduces options and may force rushed financial decisions.
Common fees (opens in a new tab) include basic daily fees (opens in a new tab), means-tested care fees (opens in a new tab), accommodation payments (RAD (opens in a new tab) or DAP), and extra service charges (opens in a new tab). A financial planner breaks down which apply to your situation, models long-term affordability, and advises on strategies to minimise means-tested costs.
Government support is based on income (opens in a new tab) and assets tests (opens in a new tab). Subsidies reduce care fees but may reduce Age Pension entitlements (opens in a new tab). Planners help structure assets and income streams to optimise eligibility, ensure compliance with rules, and prevent unnecessary loss of benefits.
Yes. Super balances and account-based pensions can be drawn down to cover costs. The key is structuring withdrawals (opens in a new tab) 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.
The family home is exempt from the assets test (opens in a new tab) if a spouse remains living there but otherwise may be counted. Selling can trigger means-tested fees (opens in a new tab) and Age Pension changes. A planner models outcomes of keeping versus selling before decisions are made.
Yes. Inheritances add to assessable assets (opens in a new tab) and can increase means-tested fees (opens in a new tab) 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.
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.
Parts of aged care financial advice may be deductible if directly related to generating assessable income (opens in a new tab) 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.