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Advice, Age Care, Age Pension, Finance Planning

It is never easy to transition a loved one into aged care

Whilst dealing with this transition is overwhelming enough, deciding how to finance Aged Care long term, can be baffling and complex as legislation and entitlements change regularly, it’s often difficult to know your options.

Making wealth protection and financial management crucial when moving into aged care. With sound and reliable financial advice to seniors, pensioners and their families, along with the right team beside you, it is possible to achieve a more comfortable life in residential aged care.

This is achieved through navigating the many options available when it comes to financing aged care. Compassionate yet thorough, unbiased, detailed advice from our aged care financial advisers can help you save on fees associated with nursing homes and residential aged care.

We can also help you get access to new pension entitlements.

Transitioning to aged care can be a financial minefield. However, with the friendly team at PAC Financial Brisbane, you will have your specialist financial adviser by your side ensuring your able to make informed decisions at every turn.

Whether it be dealing with Centrelink or your chosen aged care facility, it is our mission to make the process seamless.

Whatever your needs, our advisers are passionate about removing the worry about your

  • Cash flow,
  • Taxes, and
  • Pension entitlements.
  • We can take care of all the paperwork saving you time and stress.


We’ll provide you with prompt aged care advice so you can gain access to care and relax about the finances.

We at PAC Financial can help you structure your finances and administration so you can avoid costly mistakes and be able to save stress free.

Our Services Include:

  • Reducing your income-tested or means-tested care fees

The government will assess your loved one’s income and assets, and from there, they will determine how much financial help you are eligible to receive from the government. Your home care provider will then determine your home care fees based on this.

We have strategies to reduce aged care fees. This is important so as to be able to pay the bills and protect the estate. That is why we involve ourselves even at the assessment stage so that you and your family can maximise your opportunities to save money and decrease aged care fees.

Including advice on existing investments. Are there investments purchased months ago or decades ago? Only an experienced advisor will understand these investments and how Centrelink will assess them.

  • Exploring all options to maximise your Centrelink or Veterans Pension

Aged care is expensive,  it is vital to obtain as much government support as possible,  so as to reduce the chances of funds running out.

Whether or not your family member is currently receiving help from Centrelink or other providers, we can help you ensure you are receiving what you are entitled to.

  • Explaining the fees, charges, entry and exit costs

We appreciate that the fees and charges involved in aged care are overwhelming. We take the time to explain these to you in easy-to-understand terms. So, you can avoid expensive mistakes it is a complicated area, a small mistake can cost thousands.

Cashflow is also extremely important to ensure that the aged care home direct debits will be paid.  The enduring power of attorney will be asked to guarantee payment. It is very important the correct strategy is in place when it comes to how the aged care fees are going to be paid.

  • Keep or sell the home?

You may not need to sell the family home. This is an important decision, with large financial implications.  Many factors need to be carefully considered.

We understand how important your family home is to you, so we do our best to help you send your loved one to an aged care facility without having to lose the home. Many families think they need to sell their childhood home to cover accommodation fees for aged care, but there are options in most cases which we can explore together.

  • Comparing a range of scenarios to work out the most affordable option

We will delve into the possible options for your family and provide the details on each scenario so you can make an informed choice.

  • Making all information clear and easy to understand

When making such an important financial decision, it is important that you fully understand your options. We approach every meeting with patience, professionalism, and empathy.

Being an enduring power of attorney is a legal responsibility that often requires professional guidance as a small error can be very serious.

We can also arrange consultations from the comfort of your home if you can’t make it to one of our offices.

At PAC Financial, we help you figure out the specific steps you need to take based on your circumstances and changing needs. You will receive personalised advice in easy-to-understand language, to help make those tough decisions with confidence and certainty.

Speak to one of our aged care experts in Browns Plains over the phone or email us when it’s convenient and we will call you back at a time that suits.

To learn more about our services, get in touch with us today

Email: [email protected]

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1300 590 790