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Aged Care Services

Aged Care Financial Planning Made Simple

At Enhance Financial Partners, we deliver tailored services designed to support individuals, families, and providers in navigating the complexities of aged care funding and financial management.

Understanding Your Aged Care Options

At Enhance Financial Partners, we help you make sense of the aged care landscape by identifying your needs and explaining how the system works.

We can assist with:

Assessment of Aged Care Needs and Goals

  • Discuss your personal circumstances, care requirements, and preferences
  • Identify whether residential aged care, in-home care, or alternative options are most suitable.
 

Explanation of Aged Care Fees and Charges

  • Clarify the structure of government-regulated aged care costs, including basic daily fees, means-tested care fees, and accommodation payments.
  • Outline the impact of refundable accommodation deposits (RAD) versus daily accommodation payments (DAP).

 

Cashflow and Affordability Analysis

  • Model strategies to ensure aged care costs can be met sustainably.
  • Consider ongoing income sources such as pensions, investments, superannuation, and rental income.
 

Ready to understand your aged care options? Book a consultation with our experienced advisers today.

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Structuring Your Finances for Care

At Enhance Financial Partners, we provide tailored strategies to help you structure your finances efficiently while maximising benefits and protecting long-term wealth.

We can assist with:

Centrelink / Veterans’ Affairs (DVA) Entitlements

  • Review current Age Pension/DVA entitlements.
  • Model how aged care decisions affect eligibility and benefits.
 

Asset and Investment Structuring

  • Analyse the impact of retaining or selling the family home and other assets.
  • Consider strategies to reduce means-tested fees while maintaining sufficient liquidity.
  • Review superannuation, pensions, and investment portfolios to ensure appropriate structure and tax efficiency.
 

Estate Planning Considerations

  • Discuss how aged care decisions affect the client’s broader estate plan.
  • Identify opportunities to preserve wealth for beneficiaries.
 

Speak to one of our financial specialists to discover how you can structure your assets for the best possible outcome.

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Planning, Support, and Ongoing Guidance

At Enhance Financial Partners, we offer comprehensive support to guide you through every stage of the aged care process, from planning and implementation to ongoing reviews.

We can assist with:

Scenario Modelling and Recommendations

  • Compare multiple strategies (e.g., retain vs sell home, RAD vs DAP) to demonstrate financial outcomes.
  • Highlight trade-offs in terms of cash flow, Centrelink entitlements, and long-term affordability.
 

Implementation Support

  • Prepare required documents, liaise with aged care facilities, and provide guidance to simplify the administrative process.
  • Coordinate with your accountant, solicitor, or family members where appropriate.
 

Ongoing Review

  • Establish a review process to ensure the aged care plan remains appropriate as circumstances, legislation, or care needs change.
 

Let us help you manage your aged care journey with confidence, schedule your appointment today.

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