Aged Care

When the call comes, it rarely gives you time. We’ve seen it too many times — the fall, the hospital stay, the phone call that shifts everything. You weren’t planning to make aged care decisions this week, and here you are. And just like that, the abstract becomes very, very real: Centrelink thresholds, family opinions, facility waitlists, and a financial structure that might not have been built for this moment. At Dialogue Financial, we help slow that chaos down — before it causes permanent damage. We bring clarity to a decision that feels anything but. We don’t push products. We don’t rank providers. We don’t throw a three-ring binder of aged care options at you and wish you luck. We model what matters:

RAD/DAP Advice

We help decode the jargon and map what the lump-sum versus daily-payment trade-offs actually mean.
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Centrelink Positioning

We identify how aged care costs impact age pension entitlements and how to structure assets smartly.
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Cash Flow Modelling

We provide real dollar figures so families can decide with eyes open, not under vague assumptions
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Family Collaboration

We help adult children and elders communicate clearly — no pressure, no guilt tactics, no financial pushiness.
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We help families make confident aged care decisions — clearly, calmly, and without sales pressure from providers.

The plan isn’t just yours. It’s theirs too.

Most of the time, it’s the kids calling us, or the partner, or a friend trying to “help but stay out of it.” These decisions often happen on behalf of someone else. That adds pressure, sometimes guilt, and almost always complexity. We guide every party with empathy — and maths. Our aged care management includes:

Some of it is uncomfortably practical. Some of it is deeply emotional, we respect both, and we stay out of decisions that aren’t ours.

When we say we’re financial planners, we mean for all of life.

Retirement is often where the page ends for most advice firms. Dialogue Financial writes the next chapter, because this part — aged care, aged family, aging self — doesn’t come with glossy marketing, just needs. We’re not here for a one-off. We’re here when your plan outgrows its previous shape. When you realise financial management isn’t just for growth, but for resilience. We make aged care financially coherent, emotionally bearable, and logistically grounded.

 

A RAD is a large upfront fee for accommodation. But no — you don’t always have to pay it, we break down the RAD/DAP split, and show how it impacts cash flow and asset visibility.

Often, yes — but it depends on who lives there, ownership structure, and timing. We assess the real Centrelink treatment and whether strategic retention or sale makes more sense.

Sometimes, we map multiple affordability routes — from partial RADs to using superannuation drawdowns — and let you see which ones are viable without knee-jerk sacrifice.

Then it gets legally and emotionally layered. We structure things to protect the healthy partner’s financial footing while still supporting the one entering care.

Actually, no, iIn most cases, financial planning before touring makes smarter, calmer decisions possible. We prep you, so you don’t sign under pressure.