Helping a loved one into aged care is one of life’s most emotional and complex transitions. It’s not just about finding the right facility — it’s also about navigating the financial, legal, and administrative steps that come with it.
At PAC Financial Brisbane, our friendly and experienced advisers are here to support you through every stage. From managing Centrelink requirements to understanding aged care fees and protecting your family’s finances, we make the process seamless, transparent, and stress-free.
Our mission is simple: to remove uncertainty and empower you to make confident, informed decisions for your loved one’s well-being and your family’s future.
Comprehensive Financial Guidance for Aged Care
When transitioning a loved one into aged care, there are countless moving parts to manage. Some include cash flow, taxes, pension entitlements, and complex government assessments. At PAC Financial, we take care of it all for you.
We’ll handle the paperwork, explain your options in clear terms, and ensure your finances are structured correctly from the very start. Our tailored aged care advice helps you avoid costly mistakes and ensures your loved one receives the care they deserve — without unnecessary financial stress.
Reducing Income-Tested and Means-Tested Aged Care Fees
Aged care fees can be daunting, but with the right strategies, they can also be reduced. The government assesses your loved one’s income and assets to determine how much assistance is available. From there, your aged care provider sets the final costs.
Our advisers work with you from the assessment stage to ensure your loved one’s assets are structured to minimise fees and protect the family estate. Whether your loved one’s investments were made recently or decades ago, our team understands how Centrelink views them — and how to use that knowledge to your advantage.
Maximising Centrelink and Veterans’ Pension Entitlements
When moving a loved one into aged care, it’s vital to access every possible benefit. Whether your family member currently receives Centrelink or Veterans’ support, we’ll review your situation and ensure no entitlements are missed.
Our goal is to maximise your aged care funding, reduce financial pressure, and create peace of mind knowing that all available support is being utilised effectively.
Understanding Aged Care Fees, Charges, and Payment Options
Aged care contracts can be filled with unfamiliar terms and complicated fee structures. PAC Financial’s advisers break it all down for you in plain English — including entry costs, ongoing care fees, and exit charges.
We also help you manage cash flow to ensure direct debits to the aged care facility are always met. If you’re acting as an Enduring Power of Attorney, our advisers will guide you through your legal responsibilities and ensure all financial obligations are correctly handled.
Should You Keep or Sell the Family Home?
For many families, deciding whether to sell the family home is one of the hardest parts of moving a loved one into aged care. It’s an emotional and financial decision that carries significant consequences.
At PAC Financial, we understand the sentimental value of your home. In many cases, selling isn’t the only option — and we’ll help you explore alternatives to fund aged care without losing the family home. Our team compares various scenarios to identify the most affordable and sustainable path forward.
Comparing Scenarios and Simplifying Complex Choices
Every family’s financial situation is unique. That’s why we take the time to compare multiple funding scenarios, clearly outlining how each option impacts your loved one’s care, estate, and long-term financial position.
We present every detail in an easy-to-understand format, helping you make informed decisions with confidence and clarity.
Supportive, Compassionate Financial Advice
We know this process can be overwhelming. Our advisers combine professional expertise with empathy, taking the time to listen to your concerns and explain every step patiently.
Whether you visit our Browns Plains office or prefer a remote consultation from the comfort of your home, our team makes it easy to get the support you need, when you need it.
Take the Stress Out of Moving a Loved One into Aged Care
At PAC Financial, we specialise in guiding families through the financial side of aged care. This allows you to focus on what truly matters: supporting your loved one.
We’ll help you:
Understand aged care fees and entitlements
Protect your assets and income
Avoid unnecessary costs and mistakes
Ensure financial stability for your family
With expert advice and genuine care, we make one of life’s biggest transitions a little easier.
Contact PAC Financial today to speak with one of our aged care financial specialists in Browns Plains. We’ll help you move your loved one into aged care with confidence and peace of mind.
