Your aged care story starts before aged care does.

Your financial, personal and housing profile already contains clues about the aged care decisions your family may one day face. The Later Life App applies the rules to your situation, so you can see the pathway more clearly before a crisis, a family meeting, or another frightening headline.

Advisory Service High-Touch

Aged care now?
Later Life Advice

When residential care is becoming active, families need more than a calculation. They need modelling, sequencing, family meetings, RAD/DAP strategy, Services Australia support and ongoing review. Later Life Advice turns the profile-based pathway into a detailed financial strategy.

Comprehensive modelling
Family meetings
RAD vs DAP analysis
Ongoing support
Our service 1300 557 825

$3,960  fixed fee · No hidden costs

Free Later Life App Self-Service

Not at the aged care stage yet?
That is exactly when your profile matters.

Create a profile now and the Later Life App can show the aged care issues your situation is likely to point toward: Support at Home contributions, residential care funding, home equity, pension impact, concessions and care affordability.

You do not need a full financial advice process to start narrowing the story. You need the key clues: your household, home, assets, income and pension position.

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iPhone · Web · No Subscription · Free

Different profiles create different aged care stories.

The same aged care rules can produce very different pathways depending on whether someone is single or partnered, a homeowner or renter, supported or self-funded, asset-rich or cash-flow constrained. These cameos show how a profile narrows the story.

Need urgent help? Call us on 1300 557 825 Our service →

Logic first. Advice when it matters.

Later Life App: Baseline Logic

Later Life App is a baseline calculator. It takes your household profile and applies the known rules of Centrelink and the Aged Care Act to show the planning lanes you face. It is not personal financial advice, but mathematical validation.

Later Life Advice: Active Support

When decisions become active, the Later Life Advice team takes over: we build RAD/DAP options, sequence assets, hold family meetings, audit invoices, and navigate Services Australia.

“The Later Life App provides profile-based technical validation — what the legislation says your situation points toward. It does not provide financial advice. The software does the math. You, your family, or your advisor make the decisions.”

The Logic

How do we do it?

Residential Aged Care is more complex than ever.

Brendan Ryan has been working in residential aged care and financial modelling for more than 20 years. He has built this technology using the latest capabilities to bring extraordinary complexity to a moment of clarified simplicity for clients.

By using the app to map your profile, you gain a clear baseline in minutes, identifying exactly where your situation is simple and where it's complex.

The result is technical validation: we turn 20 years of expertise and thousands of pages of law into clear, binary financial decisions.

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Support at Home
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Later Life Notes

A note from Brendan on the rules, the quirks, and the real numbers of retirement in Australia.

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Your profile. The rules. A clearer pathway.

Our model applies the known rules and math to your profile. By starting with the facts, you can clarify your situation in minutes.

40+ rules and thresholds calculated
  • 1
    How much Age Pension can I get? 8 rules
    Age Pension Income Test Assets Test Deeming Rate Income Free Area Assets Free Area Pension Supplement Part Pension Taper
  • 2
    What concessions should I apply for? 6 rules
    Pensioner Concession Card Commonwealth Seniors Health Card Utility Concessions Transport Help Council Rate Rebate State Seniors Card
  • 3
    What is my Medicare Safety Net support? 4 rules
    Medicare Safety Net Extended Safety Net Out-of-Pocket Threshold Bulk Billing Incentive
  • 4
    What is my PBS Safety Net support? 4 rules
    Pharmaceutical Benefit Scheme PBS Safety Net Threshold Concessional Co-Payment General Co-Payment
  • 5
    How much can I earn before impacting my Age Pension? 4 rules
    Work Bonus ($300/fn) Safe Income Zone Income Taper (50¢/$1) Employment Income
  • 6
    How does SAPTO reduce my tax? 5 rules
    SAPTO Rebate Income Threshold Low Income Tax Offset Tax-Free Threshold Medicare Levy Reduction
  • 7
    How much can I borrow against my home using cheap government money? 5 rules
    Home Equity Access Scheme Capital Limit Formula Cash Flow Limit Age Component Amount Equity Erosion
  • 8
    What is my downsizer maths? 5 rules
    Downsizer Contribution $300k Cap Per Person Post-65 Super Boost 12-Month Ownership Rule Centrelink Asset Impact
  • 9
    How am I assessed to contribute for Support at Home? 6 rules
    Support at Home Independence Contribution % Everyday Living Contribution % Clinical Contribution (Zero) Means-Tested Amount Annual Unsubsidised Cap
  • 10
    How am I assessed to contribute for Residential Aged Care? 8 rules
    Residential Aged Care Means-Tested Care Fee Basic Daily Fee (85% Pension) Refundable Accommodation Deposit Daily Accommodation Payment MPIR (8.38%) Annual Cap ($35,109) Lifetime Cap ($70,219)

Tap a question to see the rules behind it.

Brendan Ryan

25 Years of Experience + New Technology

Up until now, the core of my work has been manually mapping pathways through endless government rules, thresholds, and changes. I envisioned a tool that could absorb this complexity—and by matching my experience with modern technology, I have finally built it.

When aged care enters the equation, children are often called upon to support their parents. They are met with a wall of complexity that must be addressed; otherwise, entitlements are left on the table, wrong decisions are made, and stress levels escalate.

We now have the technology to solve the math and rule complexity, and the expertise to offer genuine guidance. I am excited to help families move through these transitions feeling confident and organized.

Brendan Ryan CFP®

FOUNDER, LATER LIFE ADVICE

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