FINANCIAL CLARITY FOR AGED CARE DECISIONS

Understanding the financial impact of aged care and pension decisions before they are made.

How FACES Helps

Financial Aged Care Entry Solutions (FACES) provides structured financial modelling to help families understand the financial consequences of aged care and pension decisions before those decisions are made.

Our services support families at different stages of the aged care journey — from immediate care decisions through to long-term planning.

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AGED CARE COST MODELLING

For individuals or couples wanting to understand:

“What will aged care actually cost us?”

Financial scenario modelling of:

  • Aged care fee structures

  • RAD vs DAP comparisons

  • Pension entitlement impacts

  • Cash flow implications

AGED CARE FEE REVIEW

For families already in an aged care situation or under immediate pressure.

  • Review of current aged care fee structure

  • Review of RAD and DAP arrangements

  • Identification of potential fee discrepancies

  • Pension position review

  • Immediate financial clarification of current arrangements

AGED CARE SERVICES

SINGLE PLANNING – 5+ YEARS AHEAD

Longer-term financial scenario modelling for individuals wanting to understand potential outcomes well in advance

Financial scenario modelling of:

• Pension eligibility scenarios

• Aged care cost projections

• Asset longevity modelling

• Long-term financial position scenarios

COUPLE PLANNING – WITHIN 5 YEARS

Financial scenario modelling for couples considering aged care planning.

Financial scenario modelling of:

•Pension outcomes for both partners

• Scenarios where one partner enters care

• Home ownership implications

• Aged care fee projections

• Cash flow implications

SINGLE PLANNING – WITHIN 5 YEARS

Financial scenario modelling for individuals approaching aged care planning.

Financial scenario modelling of:

• Pension entitlement scenarios

• Aged care fee projections

•Asset position impacts

•Cash flow implications

COUPLE PLANNING – 5+ YEARS AHEAD

Comprehensive financial modelling for couples planning well in advance.

Financial scenario modelling of:

• Long-term pension entitlement scenarios

• Aged care cost projections

• Asset impact modelling

• Cash flow implications

Pension Application Preparation

For individuals or families wanting assistance preparing Age Pension application documentation.

Includes preparation of:

• Centrelink Age Pension application forms

• Supporting documentation checklist

• Guidance on information required for submission

FACES prepares the documentation to assist with your application. Applications are not lodged on your behalf.

PENSION SERVICES

Pension Checker

For individuals or couples wanting to quickly understand whether they may be eligible for the Age Pension and how the rules may apply to their situation.

Pension Checker is a structured online tool that applies current Centrelink thresholds and rules to the information you provide.

Includes:

• Estimated Age Pension eligibility outcome

• Asset and income testing assessment

• Clear summary of potential entitlement

• Guidance on how the rules apply to your circumstances

Pension Checker is available as a secure online assessment for $19.99.

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Pension Consultation

For individuals or couples wanting to understand how Age Pension rules apply to their financial position.

Includes review of:

• Pension eligibility and entitlement rules

• Asset and income testing

• Estimated entitlement ranges

• How pension outcomes interact with aged care planning

What faces does

Financial Aged Care Entry Solutions (FACES) helps families understand the financial impact of aged care before decisions are made.

We provide structured financial modelling to clarify:

  • RAD and DAP accommodation structures

  • Centrelink and aged care means testing

  • Pension outcomes

  • Family home decisions

Our goal is simple.

Reduce financial stress and improve aged care outcomes by helping families make financially sustainable care decisions earlier.

FAMILIES ENTERING AGED CARE OFTEN FACE WHAT WE CALL THE TRIPLE STRESS.

Families entering aged care often face what we call the triple stress.

In these moments, substitute decision makers — often adult children or Enduring Power of Attorney holders — are expected to navigate one of the most complex financial systems in Australia.

• A sudden health crisis

• Urgent placement decisions

• Complex financial decisions

Without clear financial modelling of outcomes, these decisions are often made under pressure.

FACES helps families understand the financial impact of aged care decisions before those decisions are made.

Client for life

An annual review program available to existing FACES clients.

Includes:

Updated pension threshold reviews

  • Aged care fee updates

  • Updated financial modelling when circumstances change

  • Ongoing clarity as rules and financial positions evolve


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