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Aged care

Thinking about aged care early means more choices, less stress, and better outcomes for you and your family. With the right plan in place, you can make informed decisions that protect your finances, secure the best care, and avoid unnecessary pressure down the track.

Aged care wide

How we can help you:

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Get clarity around the costs
You’ll get a clear breakdown of what to expect - accommodation payments, daily care fees, and any additional service charges, so there are no surprises.

Plan

Plan for different scenarios
See how different care options and funding strategies affect your financial position over time, with easy-to understand modelling.

House

Make informed decisions about the family home
Explore whether selling, renting, or keeping the home is right for your situation, along with what it means for Age Pension and care fees.

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Get the full benefits you’re eligible for
Structure your finances to support Age Pension eligibility and reduce aged care fees where possible.

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Reduce stress for your family
Avoid confusion and tension with a clear plan that everyone can understand and feel confident in.

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Get support when you need it most
Have a trusted advisor by your side to guide you through complex decisions, paperwork, and aged care processes, so you're never navigating it alone.

When your finances become an opportunity, everything else falls into place.
Fewer surprises, smarter decisions, and more money in your pocket, year after year.

Book A Consultation

Audit and assurance services so you can plan what’s next:

  • External Audit
  • Audit Data & Analytics
  • Fringe benefits tax
  • Regulatory audit consulting services
  • Management Letter Control reporting
  • Agreed upon procedures
  • Better business reporting
  • Compliance audits
  • Internal audit
  • Risk management framework review
  • New accounting standard implementation
  • Technical accounting advice and training facilitation
  • Public debt raisings
  • Operating control reviews
  • Business improvement identification and implementation
  • Accounting advisory services

Industry matters and so does expertise.

With deep industry expertise, we help you navigate the complexities unique to you and your profession.

One conversation can take
a lot of pressure off.

Get in touch to talk through your options clearly, calmly, and with your best interests in mind.

Book A Consultation

Get it super right:

  • Make informed decisions that grow your retirement savings
  • Understand fees, performance, insurance and contributions
  • Align your super strategy with your overall financial goals
  • Minimise tax on contributions and investment earnings
  • Choose the right fund or structure based on your needs
  • Stay compliant and confident with regulatory requirements
  • Use super as a wealth-building tool, not just a savings account
  • Maximise contribution opportunities while staying within limits
  • Plan for retirement on your terms

Our superannuation specialists help you understand what you have, what’s possible, and what changes will make the most impact.

Your team of aged care experts.

Meet the head of the finance department:

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dean.menzies@cutcher.com.au

1800 988 522

Partner

Dean Menzies

BBus, Dip FP, Cert IV Finance Broking, MFAA Full Member

Dean specialises in providing finance solutions for our clients, including home loans, investment loans, refinance, commercial loans and specialised lending for certain professions.

Dean’s background in financial services includes around twelve years in private banking in Sydney and Newcastle which involved managing the lending & wealth requirements of high net worth individuals & families.

Dean’s experience enables Cutcher & Neale Finance to establish an independent, dedicated and specialist approach to our clients ongoing finance requirements.

Frequently asked questions

Before you need to and sooner than you think. Aged care decisions often come during emotional or stressful times. Getting advice early puts you in control, so you don’t have to make rushed choices later

The costs associated with residential aged care can be complex and difficult to understand. Navigating through these options, particularly if the need is urgent, can be a very stressful process for those going into care as well as their families.

That is why discussing aged care needs with an experienced advisor is the key to making
informed decisions.
The contribution to the cost of aged care can be divided into three broad categories:
1. Accommodation payments
2. Daily care fees
3. Additional service fees

It depends on a few things like who’s living in the home, how it's owned, and whether it's sold, rented, or kept.

For aged care purposes, the value of the home can be counted in the means test, which affects both the cost of care and your eligibility for government support like the Age Pension. But in some cases, like when a spouse or dependent is still living there, the home may be exempt from the assessment.

This is one of the biggest financial decisions in the process so it’s important to get advice that takes your full situation into account. We can walk you through your options, show you how each one impacts your finances, and help you make a choice that works for you and your family both emotionally and financially.

Contact Us

Let’s talk. Your next step starts here.

1800 988 522

Sydney
Suite 1.03, Level 1, 100 Pacific Highway,
North Sydney 2060, Australia

Melbourne
Level 8, 60 Albert Road,
South Melbourne, VIC, 3205

Brisbane
Suite 5, 36 Agnes Street,Fortitude Valley,
QLD, 4006 Australia

Newcastle
Level 3, 130 Parry Street,
Newcastle West, NSW, 2302 Australia

Ready to take the next step? We’re here to help you move forward with comfort and clarity.

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