Our Services
Home / Our Services
Our services
Our services
Plan to plan ahead
The best approach to planning the financial aspects of entry to permanent residential aged care is to start the process well ahead of the expected date of entry.
“Plan ahead” is good advice. If you know that a family member is likely to need permanent aged care in the near future, seek professional financial advice immediately. Many things can be done to minimise the financial impact ahead of time. It is often very difficult to undo what an untrained person has done poorly once a person has entered permanent aged care.
New entrants since 1 November 2025 could be subject to new rules.
Read about the new fees and charges
Form SA 457
Before you submit the SA 457
We strongly recommend that you seek our advice before submitting the form SA 457. This form sets the basis for the initial variable Means Tested Fee (MTF) and it is often incorrectly completed. Errors can have a serious impact on Centrelink or DVA benefits too. If the SA 457 form is not submitted (and in the case of high net worth families this may be by choice) then the MTF is automatically calculated at the daily maximum of $403.80.
$403.80
The daily maximum MTF if the SA 457 form is not submitted
However, we are realists and recognise that most entries to permanent Aged Care seem to come from a medical crisis and the flow-on is the need for urgent entry to an Aged Care facility. We understand the pressure this places on a person’s family members and we know that we can cope with this situation. We provide help when care is needed.
So how can we help?
We can provide you with selected services starting with simply helping you to complete the forms such as the SA 457, or even the entry application details for the chosen Aged Care Facility, right through to holistic financial advice including funding options, advising on strategic issues, tax effectiveness and maintaining the future value of the estate.
As a fee for service operation, it is possible for us to focus on a single task that you might find a bit daunting, multiple tasks or the whole lot.
The range of services
Analysis of current position including
Health
Will someone continue to live in the home?
Determine sources of money