Built for a longer later life.
When Mum or Dad needs more support, the financial decisions can become a bigger part of family life. Care, housing, income and government entitlements need to be considered together, often over many years.
Increasingly, an adult child helps coordinate it all, alongside their own work and family. Later Life Advice brings specialist experience and practical tools to that person.
Brendan Ryan
Certified Financial Planner and founder of Later Life Advice.
Brendan has spent more than 25 years helping families work through financial decisions. His career includes two decades at Macquarie Bank, where he founded and led the Macquarie Aged Care Planning specialist division.
That experience has made one thing clear: the work extends well beyond a single aged care calculation. Families need help understanding connected decisions as needs change.
Today, Later Life Advice combines specialist experience with data and purpose-built technology to help families see their options more clearly.
Government information. Organised around you.
Much of the information families need already exists across government websites, legislation, agency rules and the information care providers are required to disclose.
The Later Life App and Map bring that information together around Mum or Dad, so your family can understand what is available, how the rules apply and which options deserve attention.
Connected to your family’s circumstances.
Bring the picture together.
A useful starting point combines what we know about Mum or Dad with the rules, the places and the experience that help make sense of it.
Data
The home, super, investments, income, spending and care needs.
Rules
How government systems interact in their circumstances.
Geography
Where family lives and which services and accommodation are nearby.
Experience
Knowing what to question and which decisions may be approaching.
We call the connected picture a pathway. It helps families prepare while allowing for changing circumstances and individual choices.
More protection. Continued independence.
Planning earlier can preserve choices as health, capacity and financial circumstances change.
Fraud and scams are a reality of modern life. The way accounts and investments are organised—and who can access, oversee or authorise transactions—can provide additional layers of protection.
The aim is to introduce safeguards gradually, with Mum or Dad involved in the decisions, so they can retain agency over their assets and investments while having more support around them.
Mum or Dad’s choices at the centre.
Protecting their assets should support their independence.
Start with your family’s situation.
You do not need to have everything worked out. Talk to us about what is changing for Mum or Dad and where your family needs help.