Aged Care Advice

Aged care can feel overwhelming — but you don’t have to navigate it alone. Whether it’s planning ahead or making decisions in the moment, we’re here to guide you and your family with calm, clear advice every step of the way.

An elderly man and woman smiling and enjoying coffee together in a cozy kitchen.

The best time to have the hard conversations is before they’re urgent. Talking with your partner, children, and close family can help everyone understand your wishes and reduce stress later on.

  • Here are some key topics to 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.

Involving the Family

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Financial Planning Matters

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.

Accredited Aged Care Professional badge

Australia’s aged care system offers three main levels of support:

  • Commonwealth Home Support Programme (CHSP): Entry-level help with daily tasks to keep you living independently.

  • Home Care Packages: More structured, ongoing support at home.

  • Residential Aged Care: 24/7 care when living at home is no longer an option — available short- or long-term.

Most people access care at home, and planning early can make all the difference.


At age 65, around 68% of women and 48% of men will need some level of aged care in their lifetime.

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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.

Close-up of a caring adult woman gently holding an elderly woman's chest with both hands, symbolizing support and care, with a focus on their hands and the elderly woman's neck and chest.
“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”
— Your Advice Cru
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Contact us to book your appointment!