Accredited Aged Care Financial Advice
Clear guidance. Calm support. Smart financial decisions.
For you when it matters.
Aged care decisions can feel overwhelming - emotionally, financially, and logistically. Whether you are planning ahead or facing urgent choices, ACru Wealth provides calm, clear, and trusted financial advice to help you navigate the Australian aged care system with confidence.
We can help you understand:
How aged care fees work in practice
The differences between RADs and DAPs
How assets, income, and the Age Pension interact
Options for the family home
How to plan ongoing cashflow to meet care costs
Why Aged Care Planning Matters for You and Your Family
Good aged care planning gives you time, choice, and clarity. It helps you understand your options, consider the financial trade‑offs, and make decisions that align with your priorities – before pressure reduces flexibility.
Whether you are planning ahead or responding to changing circumstances, timely advice can reduce stress, support better family conversations, and help you move forward knowing the financial side of care has been properly considered.
Support for Families, Not Just Individuals
Aged care decisions typically involve the whole family - adult children, partners, siblings.
We help facilitate calm, informed conversations so everyone understands the options, the costs, and the preferred plan.
Here are some key topics we explore together:
Where you'd prefer to live - and why
Who you want involved in decision‑making
How the family home and other assets may be managed
Estate wishes and where key documents are kept
Why Choose ACru Wealth for Aged Care Advice
Aged care affects much more than accommodation fees - it touches your retirement income, assets, pension entitlements, investments, tax considerations, and family outcomes.
We take a holistic, fully integrated approach, looking at how every element interacts so you can compare options clearly and move forward with a strategy that aligns with your goals.
We consider how aged care decisions may influence:
Ongoing retirement income and cashflow
Age Pension eligibility and government support
The family home and other assets
Investment and tax implications
Estate planning and family needs
Understanding Aged Care Costs
Aged care costs can include accommodation, daily care fees, means-tested contributions, and everyday living expenses. We help you understand how these costs apply to you, including:
The difference between Refundable Accommodation Deposits (RADs) and Daily Accommodation Payments (DAPs)
How means testing affects the fees you pay
How choices may affect Age Pension outcomes
How assets may be structured depending on your situation
Government Support & Benefits for Aged Care
Australia’s aged care system offers support ranging from at‑home services to full residential care. Understanding what you're eligible for, and when, can influence your financial decisions and long‑term planning.
Cashflow & Wealth Structuring for Aged Care
Reliable cashflow is essential once care costs become part of everyday life. We help you:
Assess how your assets, investments, and superannuation work together
Avoid selling valuable assets too early or unnecessarily
Maintain sustainable retirement income alongside care costs
Choosing a My Aged Care Representative
You can nominate someone you trust to help communicate with My Aged Care and manage your record.
A representative may support you by:
Sharing information and helping make decisions
Managing your My Aged Care record via myGov
Acting as your main point of contact
Helping health professionals coordinate your care
Aged care is about more than care - it’s about life, connection, and feeling supported.
At ACru Wealth, we see aged care as another chapter - that deserves just as much thought, dignity, and enjoyment as the ones before it. That means taking a holistic view, considering not only finances, but lifestyle, wellbeing, family dynamics, and having the right people around you.
That’s the heart of the ACru community. Clear strategy. Thoughtful guidance. A calm presence when things feel uncertain. And yes – still space for a laugh, a morning walk, and a decent cup of tea.
By the time aged care decisions roll around, having the right plan and the right support can make all the difference for you and the people who care about you most.
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Not always. Selling the home too early can have unintended impacts on cash flow, the Age Pension, and future estate outcomes. We compare keeping, renting or selling the home so you can see the real‑world effect of each path - and choose the option that best supports your loved one and your family’s long‑term plans.
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We break down Refundable Accommodation Deposits (RADs) and Daily Accommodation Payments (DAPs) into simple, side‑by‑side scenarios so you can see the financial impact of each option. We’ll walk you through cash‑flow modelling, Centrelink implications and estate considerations, helping you make a confident, informed choice.
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My Aged Care is the Australian Government’s starting point for accessing aged care services. It provides information about available care options, arranges assessments to determine eligibility, and connects you with approved providers. Through My Aged Care, you can access a wide range of supports - including help at home (such as cleaning, personal care, meals, transport, and allied health), short‑term or transitional care after a hospital stay, respite services for carers, and residential aged care when living at home is no longer possible. It also explains what costs may apply and the funding you may be eligible for.
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You can access aged‑care financial advice locally through ACru Wealth in Buderim, with the option to meet in person or online. We provide clear, practical guidance to help you understand aged‑care fees, funding options, and the steps involved, so your decisions feel more informed and less overwhelming.
“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”
