Aged Care

Helping You Navigate One of Life’s Most Important Transitions

Making decisions about aged care can feel overwhelming.

Whether it’s for yourself, a parent, or a loved one, you’re often faced with complex choices, emotional pressure, and significant financial implications — all at once.

At AGS Financial Group, we provide clear, practical guidance to help you understand your options, make informed decisions, and move forward with confidence.

Through our joint venture with Zenith Aged Care, you gain access to specialist aged care expertise, combined with our broader experience across financial planning, accounting, and estate planning.

Why Aged Care Decisions Are So Challenging

Aged care is not just about choosing a facility or service — it’s about navigating a system that involves:

• Government rules and assessments

• Complex fee structures and accommodation costs

• Lots of jargon - ACAT/ACAS, RAD, DAP, HCP and more

• Centrelink and pension impacts

• Decisions around the family home

• Long-term affordability and cash flow

• Estate planning considerations

Many families are forced to make these decisions quickly, often during times of stress or declining health.

Without the right guidance, it’s easy to make choices that can have long-term consequences.

How We Help

We act as your guide and advocate, helping you understand the landscape and supporting you through every stage of the process.

Understanding Your Options

• Home care vs residential care

• Different levels of care and eligibility

• Navigating the Aged Care Assessment process

Clarifying Costs & Affordability

• Explanation of aged care fees and charges

• Modelling different scenarios

• Understanding how choices impact your cash flow

Centrelink & Pension Impacts

• How aged care decisions affect your entitlements

• Structuring arrangements to optimise outcomes

• Support with navigating Centrelink processes

The Family Home

• Whether you need to sell or can retain the home

• Implications of different approaches

• Balancing emotional and financial considerations

Coordinating the Bigger Picture

• Working alongside your financial planner, accountant, solicitor, and family

• Ensuring decisions align with your broader goals

• Supporting a smooth and informed transition

Specialist Expertise through AGS & Zenith Aged Care

Through our partnership with Zenith Aged Care, you benefit from a team that works exclusively in aged care and supports hundreds of families each year.

This means you receive:

• Up-to-date knowledge of aged care rules and processes

• Deep experience in complex care situations

• Practical, real-world guidance tailored to your circumstances

All delivered with Clarity, Empathy and Confidence.

Speak With Our Team

If you or a loved one are starting to think about aged care — or need help navigating an immediate situation — we’re here to help.

Contact AGS Financial Group today to arrange a confidential discussion.