For you when it matters.Accredited Aged Care Financial Advice for Peace of Mind
Make the Right Aged Care Decisions - With Confidence
Aged care can feel overwhelming - emotionally, financially, and logistically. Whether you’re planning ahead or facing decisions now, we help you navigate the complexities of the Australian aged care system with calm, clear, and trusted financial advice. From understanding fees and government benefits to protecting your family’s financial future, we’re here every step of the way.
Why Aged Care Planning Matters
The best time to have the hard conversations is before they become urgent. Talking with your partner, children, or trusted family members about your wishes and financial plans reduces stress and ensures everyone understands your priorities - long before care becomes necessary.
Common Concerns We Help With
Understanding how aged care is funded and when fees apply
Making sense of government support and pension impacts
Deciding how your assets, income, and home affect care options
Planning for long-term cashflow and sustainability
Avoiding costly mistakes when transitioning to care
Often aged care decisions involve not just you - but your loved ones. We encourage open conversations and help your family understand the financial and practical impacts of care choices before stress appears.
Here are some key topics we cover together:
Where you’d like to live and why
Who should make decisions about care and finances
How your estate will be distributed
What happens to the home if you move into care
Where to find key documents like wills and insurance
By the time aged care is needed, it’s often the next generation making the arrangements - give them the clarity now.
Planning with Family in Mind
Why Choose ACru Wealth for Aged Care Advice
Trusted Expertise, Clear Practical Guidance & Long-Term Support
Aged care decisions often come with unfamiliar terms, emotional pressure, and complex financial rules. It’s easy to feel overwhelmed - but the right advice can make all the difference.
From understanding RADs and DAPs to knowing how aged care fees affect your pension or estate, we help you make informed choices and avoid costly mistakes, like selling the home too early or missing out on valuable benefits.
Support services often come with wait times and co-payments, and residential care can mean funding accommodation, living costs, and care fees. Access to cashflow is essential - and in many cases, asset restructuring may be needed.
At ACru Wealth, we work with you and your family to map out your options, plan ahead, and stay in control. With licensed, experienced advice, we’ll guide you through each step with care, clarity, and confidence.
What Aged Care Financial Advice Covers
Understanding Care Costs
Aged care costs can include accommodation, daily care fees, means-tested contributions, and ongoing living expenses. We help you understand:
Refundable Accommodation Deposits (RADs) vs Daily Accommodation Payments (DAPs)
How means-testing can affect your fees
The potential impact on Age Pension benefits - and how to structure wealth to your advantage
Government Support & Benefits
Australia’s aged care system offers different levels of support - from assistance at home to full residential care. Knowing where you fit and how benefits apply can make a huge difference to your financial plan.
Cashflow & Wealth Structuring
Access to affordable cashflow is essential - especially when care fees become part of your lifestyle. We help you:
Evaluate how your investments, superannuation, and assets work together
Avoid selling valuable assets at the wrong time
Improve retirement income sustainability alongside care costs
Choosing a My Aged Care Representative
You can nominate someone you trust to speak with My Aged Care on your behalf - a family member, friend, or carer.
Regular Representative – You give consent for them to act on your behalf
Authorised Representative – Appointed if you’re unable to give consent
A representative can help with:
Sharing information and making care decisions
Managing your My Aged Care record via myGov
Acting as the main point of contact
It also helps health professionals coordinate your care more effectively.
“Planning aged care isn’t about slowing down — it’s making sure there’s still a swing to sit on and a breeze to enjoy. A little foresight today means more freedom, comfort, and peace of mind for tomorrow — for you and those you love”
