The good news is that planning ahead and financial advice can provide choices and help avoid some of the stress.

Here are five things worth considering.

1. How will you pay for your room?

Room prices vary but average just over $600,000 across Australia. And with choices on how to pay, it is important to understand your options and the implications of each one.

You will have a choice to pay a lump sum, known as a Refundable Accommodation Deposit (RAD), make ongoing Daily Accommodation Payments (DAPs), or use a combination of the two.

You should seek advice to run the numbers on cashflow and overall wealth position to decide which option might work best for you.

2. Could your super help fund the move?

Your SMSF may be one of your largest financial assets, so it shouldn’t be overlooked when considering how to fund aged care.

You might consider withdrawing money from super to help pay a RAD rather than selling other investments, especially as these withdrawals are tax-free after age 60.

But before withdrawing money, it is important to understand what you may be giving up. The lump sum is mostly refundable when you leave care, but if you have taken it out of your SMSF, you won’t be able to put it back in.

3. Don’t forget about tax after death

Your super may be tax-effective while you are alive, but tax may be payable when it passes to beneficiaries such as adult children. The potential tax consequences for your estate might influence whether retaining money in super or using it to fund aged care is the better strategy.

It is also a good time to review your binding death benefit nominations and broader estate planning arrangements.

4. Who will manage your SMSF if you can’t?

One of the most important questions is also one of the easiest to put off – what happens if you can no longer manage your own financial affairs?

If illness or declining capacity means you can no longer perform your role as SMSF trustee, it is critical to have an appropriate enduring power of attorney in place so that person can take over the legal responsibilities.

Think carefully about who you appoint. They may ultimately have considerable control over one of your largest assets.

5. Rethink the structure

For some people, this planning process may raise another question: is an SMSF still the right structure for the next stage of life? This thinking will be impacted by the reasons why you set up an SMSF and the benefits it offers you – and every person needs to consider this for their own situation.

Need help with aged care decisions?

These are not decisions you should make alone. We offer licensed and specialist aged care advice, to help you make the right choices. If you’d like to talk through your situation or understand your next steps, reach out to our team today to discuss your situation here.

Our team are ready to help you plan ahead and provide financial advice to help you make the right choices for you and avoid some of the stress. Contact us here.

The post Aged care and your SMSF: 5 things you should consider appeared first on Direct Advisers.

The good news is that you may not need to find the money or cash your investments to pay this full amount as a lump sum.

When moving into residential aged care, you will be given a choice on how you pay for your accommodation. You can pay the full amount as a lump sum, known as a Refundable Accommodation Deposit (RAD), or pay a Daily Accommodation Payment (DAP), or you can choose a combination.

So, where do interest rates come into it?

If you choose the daily payment option, the amount you pay is calculated by converting the lump sum into a daily fee using a government-set interest rate called the Maximum Permissible Interest Rate (MPIR). When official interest rates increase, this flows through to a higher MPIR which currently sitting at 8.43% per annum – considerably higher than just a few years ago.

The rate is locked in when you enter care (unless you move rooms) but the higher current rates may change affordability and funding decisions for families now looking at care options. A strategy that may have made sense when interest rates were low may no longer be the most cost-effective approach today.

Under the current rules, you also need to take into account the impact of inflation-linked indexation each six months if you choose the daily payment option.

Make it your choice

One of the biggest misconceptions we still encounter is that the aged care provider decides how accommodation must be paid. Providers can set the room price, and some may prefer a lump sum, but the choice is yours.

You have the right to decide whether to pay a lump sum, a daily payment, or a combination option. Most people start with a daily payment and then if they choose, can pay the lump sum (in full or part) at any time after entry.

Because these decisions can have a significant impact on your cash flow, age pension, investments and even the value of your estate, it’s worth taking the time to seek advice before making a commitment.

Every family’s financial situation is different. Understanding your options and developing a strategy that suits your circumstances can help you make the most of your available resources and provide greater peace of mind during what is often a significant life transition.

The right advice won’t change the interest rate, but it can help ensure you’re paying for aged care in the way that’s right for you.

We offer licensed and specialist aged care advice, to help you make the right choices. If you’d like to talk through your situation or understand your next steps, book a conversation with our team to discuss your situation.

The post Why higher interest rates could make aged care more expensive appeared first on Direct Advisers.

You can often receive the help you need while continuing to live safely and comfortably at home.

This article explains how to get started.

Getting aged care support through My Aged Care

My Aged Care is the Australian Government’s entry point to aged care services. It’s designed to help older people find trustworthy support – whether that’s a bit of assistance around the house or more complex care – while staying in their own home for as long as possible.

Through My Aged Care, you can:

• learn about different aged care programs
• check your eligibility
• access government funding
• be connected with services that match your needs

Even if you’re able to pay for services privately or have strong family support, My Aged Care is still the best place to start. It outlines what support is available and helps you navigate the system.

How to get started

You can register yourself or a loved one on the My Aged Care website, or call 1800 200 422 if you prefer to speak with someone. The team can also assist in person through Aged Care Specialist Officers.

During registration, you’ll provide basic personal and health information. This builds your profile and helps My Aged Care suggest suitable services. Although information listed on the site is reliable, the Department of Health and Aged Care still recommends verifying any provider you’re considering.

If you need financial assistance, you can also apply for funding. After you apply, your details will be sent to a local assessment team.

What happens during an assessment?

An assessor will visit your home (or your loved one’s home) to understand your day-to-day needs and determine what support would improve your safety, independence and wellbeing.

Based on this visit, the assessor may:

• confirm your eligibility for government-funded services
• recommend specific types of support
• create a support plan outlining the type and level of help you require

This plan becomes the foundation for choosing your care options.

Choosing the right services

Aged care in Australia is diverse. Some services are delivered in residential aged care homes, while many others can be provided in your own home. In home care can include personal care, domestic assistance, nursing, respite, transport, home maintenance and more.

Understanding what you need – and what’s available – is important, especially if you want to continue living at home.

Support at Home

The new Support at Home program is designed to bring together existing in-home care programs into one streamlined system. It aims to make it easier for older Australians to access the right help at the right time, with services tailored to individual needs and goals. Support at Home offers a wide range of care types, from basic assistance to more complex support, delivered directly to your home based on your assessed needs.

Your assessor will help outline what level and type of support is suitable for your situation.

In-home care vs residential aged care

Most older Australians prefer to stay in their own homes for as long as possible. My Aged Care helps make this achievable by connecting you with the services you need to live safely and independently.

However, if your care needs become too great to manage at home, residential aged care may eventually be recommended. Whatever path you choose, the decision remains yours – or, if necessary, made with your appointed decision-maker under the Aged Care Act 2024, which strengthens the rights of older people.

Understanding your options is the first step in planning for safe, comfortable ageing. My Aged Care offers a clear pathway to find, compare and access support services, whether for yourself or a loved one.

If you’re ready to explore your options, visit the My Aged Care website to begin the process and take control of your care at home, or you can reach out to us if you have any questions.

If you would like to discuss your aged care options, contact our team here.

Source:
This article was originally published on https://www.agedcareguide.com.au/talking-aged-care/how-to-access-aged-care-assistance-at-home. Reproduced with permission of DPS Publishing.
Important:
This provides general information and hasn’t taken your circumstances into account.  It’s important to consider your particular circumstances before deciding what’s right for you. Although the information is from sources considered reliable, we do not guarantee that it is accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, we do not accept any liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person. 

Any information provided by the author detailed above is separate and external to our business. Our business does not take any responsibility for any action or any service provided by the author. Any links have been provided with permission for information purposes only and will take you to external websites, which are not connected to our company in any way. Note: Our company does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The post How to access aged care assistance at home appeared first on Direct Advisers.

With more care levels, clearer pricing, and greater control over how your funding is used, the new system aims to better match services to individual needs. Providers will be required to offer detailed cost breakdowns, empowering you to make informed decisions about your care.

While the reforms are a step forward in care quality, they also come with changes in how services are funded and that may mean higher out-of-pocket costs for some.

What you pay depends on your financial situation – whether you receive a full or part pension or are self-funded – and the services you access.

As the aged care landscape evolves, staying informed is key to making confident choices. Whether you’re planning for yourself or supporting a loved one, understanding the new system will help you access the right care at the right time. 

Help at home

From 1 November the current Home Care Packages will be replaced by a new program called Support at Home.

The key changes include:

• Eight levels of care (up from four) to better match individual needs
• Extra funding for assistive technology, home modifications and palliative care

Services are expected to remain the same but the way you pay for them may change.

• For example, clinical care (such as nursing or physiotherapy) will be fully funded by the Government.
• You may pay more for everyday living services (such as meal preparation or cleaning) than you do for independence supports (like personal care or transport).
• The out-of-pocket costs for everyday living will range from 17.5 per cent for full pensioners to 80 per cent for self-funded retirees.
• Non-clinical support, like showering, will cost five per cent for full pensioners to 50 per cent for self-funded retirees.

If you were approved for a Home Care Package on or before 12 September 2024, you will be eligible for fee concessions to ensure you are not worse off under the new rules.

The package level you are assigned sets the total funding available to pay for care, with 10 per cent allocated to the care provider to cover the cost of care management.

You then work with your provider to decide how you want to spend the rest of the budget. The provider will set their fees for services and you will make a contribution based on your income.

Residential aged care

Room prices in aged care facilities have been steadily rising following an increase in the Refundable Accommodation Deposit (RAD) threshold from $550,000 to $750,000.

Higher RADs mean you may need to use more of your savings or income to cover aged care costs.

From 1 November 2025, anyone who moves into care after this date and pays a RAD, will have two per cent of that amount deducted each year, for up to five years.

You can still opt to pay a Daily Accommodation Payment (DAP), but this will increase every six months in line with inflation.

Other fees include:

• the basic daily fee (set at 85 per cent of the single age pension)
• a means-tested fee or non-clinical care contribution
• potentially a higher everyday living fee (previously known as extra or additional services)

Fee caps and planning ahead

The lifetime cap on aged care contributions continues. You won’t pay more than $130,000 (indexed) over your lifetime towards home care and residential care combined.

Understanding how the changes affect your financial future is vital. You’ll need to consider:

• whether someone will remain in the family home
• your current income and assets
• potential age pension entitlements
• estate planning strategies

Use the government’s fee estimator at MyAgedCare to get a clearer picture of your potential costs.

Get advice early

Navigating aged care can be complex and the upcoming changes add new layers of decision-making.

We can help explain your options, structure your assets, minimise fees and plan for your future care needs.

If you would like to discuss your aged care options, contact our team here.

The post New aged care act: what you need to know appeared first on Direct Advisers.

On the positive side, there will be more packages available, which should reduce waiting times. But there will also be changes to the contributions (fees) you pay – and for some people, this could mean paying more for the care services you access. 

Here’s a simple overview to help you understand what’s changing and how you can prepare. 

What’s changing? 

The existing Home Care Packages will cease on 1 November 2025, and everyone will transition to Support at Home. You might not see a disruption in your services, but you will notice changes.  

Some key differences in the new system: 

• A new fee structure, based on your financial circumstances and the services you access 

• You will continue to be charged by your provider, but only after you have received services 

• Eight levels of care instead of four, to better match your needs, with additional funding for assistive technology and home modifications (where approved) 

• Budgets will be allocated quarterly – and if not used, won’t carry over. 

These changes apply to both new applicants and people who are already receiving care.  

What about fees? 

The Government will continue to subsidise care costs within your approved budget, but you’ll be expected to make a contribution. Here’s how the new contributions will work: 

• What you pay depends on your financial situation – whether you receive a full or part pension, or are self-funded 

• Clinical care (like nursing or physiotherapy) will be fully funded by the Government 

• You may pay more for everyday living services (like meal preparation or cleaning) than you do for independence supports (like personal care or transport). 

• If you were approved for, or receiving, a Home Care Package as at 12 September 2024, you will be eligible for fee concessions, so you are no worse off under the new rules. 

Importantly, there’s a lifetime cap on your contributions – you will not pay more than $130,000 (indexed) over your lifetime. 

Your package level sets the total funding available to pay for care, but 10% is allocated to the care provider to cover the cost of care management. You then work with your provider to decide how you want to spend the rest of the budget. The provider sets their fee for services so it’s worth checking what they charge – the more they charge, the less support you may be able to afford from your package. You could always choose to pay extra if your package does not cover all the care you need. 

How to be ready? 

To make the most of the new system, it’s a good idea to take a few steps before November: 

• Think about your care needs – what help do you need and what services will make a difference to you? 

• Talk to your current provider – if you’re already receiving care, they should be in touch to help you transition. You’ll need to sign a new service agreement under the new system. 

• Book an assessment – if you need help but don’t already have a package, contact My Aged Care to arrange a care needs assessment. This takes time, so it’s best not to delay. 

Need help to understand your options? 

Navigating aged care can be complicated – especially with these new changes. That’s why we offer specialist aged care advice to help you plan and make the best choices. 

We can help you: 

• Understand how the changes affect you 

• Calculate estimates of your contributions 

• Make sure your finances and investments are set up to provide the cashflow you’ll need. 

If you’d like to chat about your options or get help preparing for the changes, we’re here to help. Just give us a call. 

IMPORTANT INFORMATION: This document has been prepared by Aged Care Steps Pty Limited, ABN 42 156 656 843 AFSL 486723, based on our understanding of the relevant legislation at the time of writing. While every care has been taken, Aged Care Steps Pty Limited makes no representations as to the accuracy or completeness of the contents. The information is of a general nature only and has been prepared without consideration of your individual objectives, financial situation or needs. Before making any decisions, you should consider the appropriateness for your personal investment objectives, financial situation or individual needs. We recommend you see a financial adviser, registered tax agent or legal adviser before making any decisions based on this information. Current at 8 July 2025. 

The post Key things to know about home care changes   appeared first on Direct Advisers.

It became clear that extra time was needed to allow the whole sector to be better prepared and get ready for the significant changes ahead. The Government needs more time to finalise the rules. Aged care providers need more time to train their staff, adjust administrative systems, and ensure they can continue to deliver quality care under the new framework.

One of the biggest changes is the introduction of the new Support at Home program, which will replace the current home care system. More time is needed to ensure a smooth rollout for those receiving care at home.

What does the delay mean for you?

For older Australians and families, this delay presents a window of opportunity. While the reforms aim to improve aged care services and long-term sustainability, they also bring increased complexity and the likelihood of higher fees.

The extra four months give you valuable time to better understand how your care choices and financial situation might be affected – and to seek expert advice before the new rules apply.

So, what does the delay mean for you?

• If you’re thinking about a move into residential aged care, you may still be able to access the current fee arrangements before the new (and potentially higher) fees take effect in November.
• If you’re currently receiving home care, the existing arrangements will continue until 1 November, at which time you will transition to the new rules. Now is a good time to review your current service agreement and speak with your care provider about how the changes might affect you.
• Most importantly, if you haven’t started planning yet, don’t wait. It takes time to organise assessments, compare options, and secure a place with a suitable provider.

What you should do now

Aged care decisions are complex and deeply personal. The best outcomes come from having a clear understanding of how your care needs, financial situation, and personal preferences align.

That’s where a qualified financial adviser with aged care expertise can help – guiding you through your options and helping you make well-informed, confident decisions.

Take advantage of this extra time. Use the coming months to plan ahead, ask questions, and access the right advice and support.

If you’re not sure where to begin, we’re here to help. Reach out to our team here.

IMPORTANT INFORMATION: This document has been prepared by Aged Care Steps Pty Limited, ABN 42 156 656 843 AFSL 486723, based on our understanding of the relevant legislation at the time of writing. While every care has been taken, Aged Care Steps Pty Limited makes no representations as to the accuracy or completeness of the contents. The information is of a general nature only and has been prepared without consideration of your individual objectives, financial situation or needs. Before making any decisions, you should consider the appropriateness for your personal investment objectives, financial situation or individual needs. We recommend you see a financial adviser, registered tax agent or legal adviser before making any decisions based on this information. Current as at 16 June 2025.

The post Aged care changes deferred – what this means for you appeared first on Direct Advisers.

Here are the five key things you need to know:

1. Aged care will cost more – but is still subsidised
If you or a loved one is moving into residential aged care after 1 July 2025, the amount you’ll need to contribute will be higher. That said, the Government will continue to fund a large share of care costs – around 73% on average. But it will be important to consider your cashflow.

2. Expect new terminology and fee calculations
The language is changing. Instead of the current “means-tested care fee,” you’ll now see new names like Hotelling Contribution and Non-Clinical Care Contribution. How much you are asked to pay will still be based on your income and assets, but new formulae may result in higher contributions than under the current rules.

3. Lifetime caps remain – but at a higher level
A lifetime cap will continue to apply to limit how much you can be asked to pay as a non-clinical care contribution over your total stay in residential care. This cap is increasing to $130,000, but with a new safeguard, that no matter how much you pay, you will only need to pay this fee for a maximum of four years. This helps ensure fairness between residents with different levels of wealth.

4. Retention amounts are being reintroduced
If you choose to pay a lump sum for your room (known as a refundable accommodation deposit – RAD), aged care providers will deduct a “retention amount” of up to 2% per year (capped at 10% over five years). While this increases the cost slightly, it may still be better value than paying the daily accommodation payment.

5. Good advice can prevent costly mistakes
Navigating these new rules can be confusing – especially when you need to make major decisions about the family home, assets or pension entitlements. The cost of getting good advice is often small compared to the cost of getting it wrong. That’s why seeking qualified aged care financial advice is more important than ever.

If you’re starting to think about aged care for yourself or a family member, now is the time to start planning and seek advice. As specialists in aged care advice, we can help you to make informed decisions with confidence and peace of mind. Book an appointment to discuss your situation here.

The information is of a general nature only and has been prepared without consideration of your individual objectives, financial situation or needs. Before making any decisions, you should consider the appropriateness for your personal investment objectives, financial situation or individual needs. We recommend you see a financial adviser, registered tax agent or legal adviser before making any decisions based on this information. Current as at 15 April 2025.

The post 5 key things to know about new Aged Care fees appeared first on Direct Advisers.

Aged care funding and services have seen major changes in the years since the 2021 report of the Royal Commission into Aged Care Quality and Safety, and this year is no exception.

1 July 2025 marks the start of a host of new programs and improvements for the aged care sector. Several announcements have already been made this year, covering wage rises for aged care workers and nurses, and an increase in government funding for residential aged care accommodation.

In one of the most significant changes, the new Aged Care Act begins on 1 July. The Act aims to ensure the viability and quality of aged care.

A report by the Aged Care Taskforce last year calculated the residential aged care sector will need $56 billion by 2050 to upgrade facilities and build more rooms.

Current funding arrangements aren’t working. In the 2022-2023 financial year, almost half of all accommodation providers made a loss.

Some $300 million in federal grants will be delivered to accommodation providers this year to help with capital works upgrades.

And to improve the viability of the facilities the government is introducing other measures including larger means-tested contributions from new entrants and a higher maximum room price that is indexed over time.

Aged Care Minister Anika Wells says half of new residents will not contribute more under the new consumer contributions.

“For every $1 an older Australian contributes to their residential aged care, the government will contribute an average of $3.30,” says Wells.

Support at Home

The Aged Care Act also aims to support more people who want to stay in their own homes as they age. The federal government is investing $4.3 billion in a new Support at Home program, which replaces the Home Care Packages and the Short-Term Restorative Care programs.ⁱⁱ

There’ll be more than 300,000 places available over the next 10 years and a shorter waiting period for Support at Home, and there’s a goal to simplify and improve the assessment process, making it easier to access different services as needs change.ⁱⁱⁱ

Similar to the Home Care Package, Support at Home will provide:

• clinical care, such as nursing and occupational therapy,
• help with maintaining independence including showering, dressing and taking medications, and
• support for everyday living tasks such as cleaning, gardening, shopping and meal preparation.

The government will pay 100 per cent of clinical care costs while Support at Home recipients will make a contribution towards independence and everyday living costs. The contribution amount will be calculated using the Age Pension means test and it depends on the level of support needed and the combination of income and assets. The highest classification with the most funding will receive a package of services worth $78,000 per year. There’ll also be funding for assistive technology and home modifications and end of life care.

A new cap on contributions will also apply. No one will pay more than $130,000 in their lifetime – whatever their means or length of care at home or in residential accommodation.

Refunding deposits

The new Aged Care Act also requires aged care accommodation providers to refund residents’ lump sum deposits within 14 days if they move to another facility or pass away. Interest must be paid on the lump sum until the amount is repaid. As before, some deductions are permitted provided they were included in the original agreement.

No disadvantage

For those already receiving home care packages or in aged care accommodation, the government says a ‘no-worse-off’ principle will provide certainty that they won’t have to pay more under the new laws.

Whether it is you or a loved one who is considering moving into aged care, it can be an emotional time. With these new changes being implemented, you may have a few questions. Please give us a call if you’d like to hear more about the changes or if we can help to assess your next step or plan ahead. Contact our team here.

i Once in a generation aged care reforms | Health Portfolio Ministers | Australian Government Department of Health and Aged Care

ii Support at Home program | Australian Government Department of Health and Aged Care

iii About the Single Assessment System for aged care | Australian Government Department of Health and Aged Care

The post Big changes ahead for Aged Care appeared first on Direct Advisers.

With so much happening when you make the move, it’s easy to feel overwhelmed or rushed. That’s why it’s important to understand the 28-day rule.

What is the 28-day rule?

Once you move into residential aged care, you have 28 days (from date of permanent entry) to decide how you want to pay for your room. This cost is separate from your daily care fees and can be covered in one of three ways:

1. Refundable Accommodation Deposit (RAD) – a lump sum payment that is refunded when you leave or pass away (minus any allowed deductions).
2. Daily Accommodation Payment (DAP) – an ongoing daily fee based on the government-set interest rate.
3. Combination of RAD and DAP – a mix of both options, offering flexibility based on your financial situation.

The 28-day decision period gives you time to explore your options and seek advice to ensure you make the best financial decision. Aged care providers should not require you to make this choice before you move in.

If you are unsure or need more time, you can let the care provider know that you choose to pay the daily accommodation payment (DAP). This allows you to move in without committing to a lump sum upfront. You can still switch to paying a lump sum RAD at any time if it becomes the better option for you.

No matter which option you choose, unless the full lump sum RAD is paid, you will need to cover the remaining balance as a daily accommodation payment.

Changes from 1 July 2025

From 1 July 2025, new contribution rules will apply for people moving into residential care. You will still have the same three payment options, but you won’t have to decide within 28 days.

Instead, the default payment method will be the daily accommodation payment, and you can decide later whether to pay a lump sum RAD when it suits you.

These changes aim to reduce financial pressure on families by allowing more time to make the right decisions.

Making the right choice

Deciding how to pay for your aged care room is a significant financial decision. It’s important to consider your savings, assets, and long-term financial needs before making a choice.

Speaking to a financial adviser accredited in aged care advice can help you understand your options and choose the best approach for your situation.

If you or a loved one is moving into aged care, start planning as early as possible. The right advice can help you feel confident in your decision and ensure the best financial outcome for your future.

Reach out to our qualified and trusted aged care advice team here to arrange a time to discuss your situation. Reach out to our team here.

The post Moving into aged care & your 28-day decision appeared first on Direct Advisers.

1. Choose the location
2. Consider what feels like home and what amenities are important to access
3. Check the price for affordability
4. Structure your finances to meet the costs.

Choosing the location

When choosing where to live, location is always the first consideration. This might be based on the lifestyle you want to live, or what you want to be close to.

Do you want to stay in the same area where you have been living so you can continue for example, with the same doctor, hairdresser, church group and friends. Or would it be better to move closer to your children so visits can be more regular.

What feels like home

This can be different for everyone – but it is important to understand where you feel comfortable and what makes you happy.

Is this a newly-built service or does an older style service feel more homely? If you have always lived in a stand-alone home, would you be comfortable in a multistorey building? If you loved to spend time in the garden, you might be happiest if you can find somewhere with access to good gardens and lots of open space.

As well as the physical look and feel, think about how it might feel to live there. Does it have a friendly and relaxed feel or does it all feel a bit clinical?

If you are taking a tour of a residential service watch how staff interact with the residents. Ask about additional lifestyle services and choices you might have for things like entertainment and meals.

Choose an affordable service

The price of a room in residential care can range up to $3 million. But so does the price of homes vary greatly. The reality is that you need to find something in an affordable price range.

This does not mean you have to hand over large lump sums for aged care. You can choose to pay a daily fee to “rent” if that suits you better. This can help you to afford a more expensive room.

If you need help with understanding aged care, and in particular with the financial decisions contact us today on and book a meeting.

IMPORTANT INFORMATION: This document has been prepared by Aged Care Steps Pty Limited, ABN 42 156 656 843 AFSL 486723, based on our understanding of the relevant legislation at the time of writing. While every care has been taken, Aged Care Steps Pty Limited makes no representations as to the accuracy or completeness of the contents. The information is of a general nature only and has been prepared without consideration of your individual objectives, financial situation or needs. Before making any decisions, you should consider the appropriateness for your personal investment objectives, financial situation or individual needs. We recommend you see a financial adviser, registered tax agent or legal adviser before making any decisions based on this information. Current as at 1 February 2025.

The post 4 steps to choose a residential care service appeared first on Direct Advisers.