Aged Care Financial Advice

At Elevate Financial Planning, we understand that navigating the aged care system can feel overwhelming — emotionally, financially, and logistically. As an accredited aged care professional, we’re here to help you make confident decisions about aged care options, funding, and the financial strategies that support the best outcomes for your loved ones.

Making the move into aged care is about more than finding a place — it’s about balancing care needs, family wishes, and financial realities.

With the right advice, you can:

• Understand the true costs of aged care and how they are calculated
• Compare accommodation options (home care, retirement villages, residential aged care)
• Make informed decisions about how to fund care without unnecessary stress
• Protect family assets and ensure fairness between loved ones
• Minimise the impact on pensions, superannuation, and entitlements
• Feel reassured that you’re making choices with clarity and confidence

We offer practical, step-by-step support to guide you through the complexity of aged care.

Our services include:

• Clear explanations of aged care fees — including basic daily fees, means-tested care fees, accommodation payments and extras
• Funding strategies — how to pay for care using super, pensions, investments, or property without unnecessary financial strain
• Centrelink & pension advice — ensuring you maximise entitlements and minimise surprises
• Estate planning considerations — keeping your wishes and family’s future in mind
• Family meetings — facilitating open conversations to reduce stress and conflict
• Ongoing reviews — as care needs or financial situations change, we keep your plan up to date

When it comes to aged care, you need guidance that’s both professional and compassionate. With Elevate, you’ll benefit from:

• Accredited aged care expertise — specialist knowledge to help you navigate the system with confidence
• Local support with broad reach — we assist families in Geelong, Surf Coast, Bellarine, Ararat, Daylesford and regional Victoria, as well as families across Australia via online advice
• Empathy and clarity — we know aged care is emotional, so we explain your options simply and support you every step of the way

Take the Stress Out of Aged Care Decisions

You don’t have to face the aged care system alone. With the right advice, you can make informed choices that support your loved one’s care, protect your family’s finances, and bring peace of mind.