Navigating the Aged Care System with Confidence
When a loved one needs extra support, the decisions can feel overwhelming. Questions around independent living, home care, residential aged care and how to pay for it often come at an emotional time — when clarity and guidance matter most.
Australia’s aged care system is complex, and many families find themselves unsure where to start.
Understanding your aged care options
Aged care support isn’t one-size-fits-all. Depending on your loved one’s needs, options may include:
Independent living, where individuals maintain autonomy with minimal support
In-home care, providing assistance while remaining at home
Residential aged care, offering higher levels of medical and daily living support
Each option comes with different eligibility requirements, costs and long-term considerations — making informed decision-making essential.
How do you pay for aged care?
One of the most common concerns families face is funding aged care. Costs can vary significantly and may include:
Means-tested fees
Accommodation payments
Ongoing care fees
Impacts on pensions, assets and future estate outcomes
Understanding how aged care costs interact with Centrelink, superannuation and investments is critical to protecting your loved one’s financial wellbeing — and your family’s peace of mind.
Why specialist advice matters
Navigating aged care often involves balancing financial decisions with emotional ones. Having the right support can make all the difference.
At Strategem, our advisors are accredited to provide aged care advice and support. We have experience guiding families through the complexities of the aged care system — helping them understand their options, plan funding strategies, and feel confident in the decisions they’re making for their loved ones.
Our role is to bring clarity, reduce stress and ensure decisions are aligned with both immediate care needs and long-term financial outcomes.
You don’t have to navigate this alone
If you’re supporting a loved one who needs extra care — or anticipating future needs — early advice can provide reassurance and flexibility.
Strategem’s advisors are here to help you navigate the aged care system with confidence, compassion and clarity.
Contact Us
📞 (03) 5445 4777
✉️ info@strategem.com.au
🌐 strategem.com.au
We are here to help
If you need further advice, please do not hesitate to contact our office on (03) 5445 4777 and one of our Accountants & Advisors are available to support you.
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