Later Life Advice
1300 557 825
Services & fees

Specialist help.
A clear place to start.

Bring your family together around the decisions that matter for Mum or Dad. An independent expert, detailed financial modelling and clearly organised government information give everyone a shared basis for the conversation. Most families start with a one-off engagement; others work with us more closely over a longer period.

One-off advice ↓Closer family support ↓Free tools ↓
For a decision in front of you

Modelling &
consultation

$1,295 one-off engagement

A focused engagement to understand the financial consequences of a care, housing or superannuation decision.

  • Financial modelling of your circumstances
  • A written report explaining the options
  • An online family meeting to ask questions and work through the options together
Explore the situations we help with
For connected decisions over time

Closer family
support

$3,495 support over a longer period

Work more closely with us when your family needs time to consider connected decisions and respond as circumstances develop.

  • Bring care, housing and finances into one picture
  • Bring family members into the conversation about priorities and choices
  • Revisit decisions as needs and circumstances change
Discuss support for your family

Not sure which fits? Start with a free phone call. We can discuss the work and support your family needs.

The value of a family meeting

Everyone in the conversation.
A clearer way forward.

Family members may have different questions, concerns and understandings of Mum or Dad’s situation. A meeting brings those perspectives together, with an independent expert to explain the options and support the discussion.

Everyone can hear the same explanation, ask questions directly and understand the trade-offs, with Mum or Dad’s wishes at the centre.

A shared understanding

Bring the people involved into one conversation, including family members joining online from different locations.

Detailed modelling behind the discussion

See how the options affect care costs, cash flow, entitlements and the family’s financial position.

Government information made useful

Work from relevant government rules, thresholds and published provider information, organised around Mum or Dad’s circumstances.

One-off modelling & consultation

What is changing
for Mum or Dad?

Choose a situation to focus the list, or browse them all. Open a topic to see what we can help you work through.

Starting Support at HomeUnderstand what support may provide, your contribution and the care your family may still need to arrange.
  • Your financial position and contributionStart with income, assets, pension position and the person's likely contribution settings.
  • Funding translated into careTurn the classification and available funding into a practical estimate of the support it could buy each week.
  • Care priorities and local pricesSeparate essential, regular and occasional needs, then compare them with published local provider prices.
  • What the family may still need to arrangeIdentify gaps, private-care comparisons, timing issues and practical questions for providers.
Read the article Talk through this situation →
Entering residential aged careCompare accommodation payments, care fees and the effect on the family home and cash flow.
  • Accommodation and the family homeCompare RAD, DAP and combination options alongside retaining, renting or selling the home.
  • Fees and means testingEstimate ongoing care fees and explain how income, assets and family circumstances affect them.
  • Cash flow and affordabilityShow what is paid upfront, what is paid regularly and how the position changes over time.
  • A plan the family can act onBring together preferred homes, funding priorities, paperwork and questions to ask before accepting an offer.
Talk through this situation →
Moving to retirement livingUnderstand entry costs, ongoing charges, departure fees and the financial consequences of a move.
  • The village contractModel the entry payment, ongoing charges, departure fees, capital-gain arrangements and the estimated amount you may receive when you leave.
  • Centrelink and cash flowAssess how the move may affect Age Pension eligibility, associated entitlements, remaining assets, liquidity and ongoing cash flow.
  • Support at HomeConsider eligibility, available support and likely personal contributions if assistance is needed while living in the village.
  • Future residential aged careReview nearby aged-care options, published accommodation prices, likely costs and how a later move into care could be funded.
Our work considers the financial consequences of the contract and does not replace independent legal advice. Talk through this situation →
Already living in a retirement villageReview your current position before changing care needs or a move forces the next decision.
  • Where the contract stands nowReview exit timing, departure fees and likely proceeds.
  • Living costs and cash flowConsider ongoing charges, pension effects and available liquidity.
  • Care options as needs changeCompare Support at Home, private care and nearby residential aged-care options.
  • The next decisionClarify whether the plan is to stay, increase support, move within the village or prepare for residential care.
Read the article Talk through this situation →
Reviewing superannuationUnderstand how super, pensions, tax and access to money interact with changing care needs.

Consider superannuation alongside pensions, tax, liquidity and the money needed to fund care. Talk to us about the scope of the question you need help with.

Talk through this situation →

More than one situation applies? Consider closer family support, or call us to discuss a focused starting point.

Working together

Start with a conversation.

01

Tell us what is changing

A free phone call to understand the situation and the help you are looking for.

02

Work through the numbers

Bring your family’s financial information together with the relevant government rules and published data to model the options.

03

Meet as a family

Ask questions together, hear an independent expert explain the findings and discuss the next steps.

Explore independently · Free

Useful tools, whenever you need them.

You can explore government rules and local options yourself. You do not need to use any of these tools before contacting us.

Later Life App

Explore pension settings, entitlements, home equity and care contributions using your parent’s financial profile.

Explore the App →

Later Life Map

Find aged care homes, retirement villages and Support at Home providers around your family.

Explore the Map →

Talk to us about Mum or Dad.

Tell us what is changing. We’ll help you work out where to start.

Call 1300 557 825