Find an aged care financial adviser.
Navigating aged care finances can be complex. Start with the free government services below — they help most families. For more complex situations, a specialist private adviser may be worthwhile.
Free Government Services
These services are completely free and can help with most aged care financial questions.
Aged Care Specialist Officers
Services Australia
Free help understanding aged care costs, means-tested fees, pension impacts, and accommodation payment options.
Mon–Fri 8am–5pm
Financial Information Service
Services Australia
Free financial guidance for older Australians — covers superannuation, investments, and how assets affect aged care fees.
Mon–Fri 8am–5pm
My Aged Care
Australian Government
General aged care enquiries, assessment referrals, and finding services in your area.
Mon–Fri 8am–8pm, Sat 10am–2pm
When You Might Need a Private Adviser
The free government services above are a great starting point. However, you may benefit from a specialist private financial adviser if your situation involves:
- Complex RAD vs DAP decisions — particularly if assets exceed $500,000
- Property restructuring — whether to sell, rent, or retain the family home
- Self-funded retirees with multiple income streams (super, shares, rental income)
- DVA or NDIS intersection with aged care funding
Look for advisers who specialise in aged care — not all financial advisers understand the specific rules around RAD, DAP, means testing, and pension impacts.
Find an Adviser
We're building a searchable directory of specialist aged care financial advisers. In the meantime, use the free government services and external directories above.
Try our cost calculator in the meantime →