Make an informed aged-care decision

When a parent needs care, decisions about the family home, accommodation payments and income can arrive together. HFI helps you compare the financial options and understand how they fit your family’s wider plan.

Decisions we can help you explore

• The financial implications of keeping, selling or renting the family home.
• Accommodation payment options, available cash and longer-term affordability.
• Superannuation, retirement income and Centrelink interactions.
• Planning where a spouse or another family member also relies on the household’s resources.
• Financial arrangements for a child with disability where the parent’s own care needs are changing.

Bring the decisions together

We consider your goals, assets, income, care costs and relevant family circumstances before recommending a financial strategy. Where needed, we coordinate with your solicitor or accountant with your authority. Legal decisions and documents remain with your lawyer, and care or medical recommendations remain with the relevant care professionals.

Prepare for the first conversation

• Tell us which decision needs attention and any known timing.
• Have an outline of available income, assets, debts and proposed care costs if available.
• Let us know who is authorised to act and whether a support person will attend.
• We explain the proposed scope and fee before chargeable work begins.

Read our guide to the family home and aged care, or explore Special Disability Trust financial advice. Eligibility, fees and benefit outcomes depend on the applicable rules and personal circumstances; no outcome is guaranteed.

Advice as circumstances change

Where appropriate, an individually agreed ongoing advice service can help you revisit retirement income and the financial strategy. Aged-care entry and other substantial new projects may require a separate scope and fee.

Important information

General advice warning: Any advice on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and seek personal advice where needed. Where a financial product is involved, obtain and consider the relevant Product Disclosure Statement or other disclosure document before deciding. Investment returns are not guaranteed and investments can lose value.

Health & Finance Integrated Pty Ltd, ABN 72 165 510 618, Corporate Authorised Representative No. 1293198 of Able Financial Services Pty Ltd, ABN 27 646 319 164, AFSL 530596. HFI is not independent, impartial or unbiased because HFI or its licensee may receive life insurance commissions. See our Financial Services Guide, adviser profiles and fee information.