Services
Bringing clarity to the financial decisions that come with aged care.
CONSIDER YOUR OPTIONS
See the whole financial picture before deciding
Residential aged care can involve difficult choices about accommodation, the former home, pensions, investments, cashflow, tax and the estate, often under time pressure and during an emotionally difficult period. Specialist advice brings those pieces together, so you can see the whole picture and make decisions with confidence rather than guesswork.
SERVICES
How I can help
Understand the costs
Aged care is not a single cost. It can include accommodation costs, a basic daily fee, means-tested contributions and optional or additional service charges, depending on the resident’s circumstances and the rules that apply. I help you make sense of what you'll actually be asked to pay, how Centrelink or DVA assessments affect it, and whether the arrangement is affordable over the longer term — not just on day one.
Residential care fees
Accommodation payment choices
Centrelink and DVA
Ongoing affordability
Compare the options
The major financial decisions in aged care are interconnected. How you pay for accommodation, what happens to the former home and which assets are retained or used can each affect cashflow, Centrelink or DVA entitlements, aged care fees, tax and the estate. I model the realistic options side by side so you can understand the financial consequences before making decisions that may be difficult to change later.
Keep, sell or rent the home
Structure and fund the accommodation payment
Cash, investments and super
Tax and estate implications
Receive a clear course of action
You move from uncertainty to a structured, written plan. I set out a recommended strategy supported by side-by-side modelling and a clear presentation you can talk through with family, so everyone understands the reasoning and the next steps are unambiguous.
Strategy comparisons
Cashflow and estate projections
Written financial advice
Practical next steps
RAD or DAP?
How should you pay for the room?
When entering residential aged care, you may pay the room price as a lump sum, known as a Refundable Accommodation Deposit (RAD), as an ongoing Daily Accommodation Payment (DAP), or through a combination of the two.
The decision involves more than simply comparing a lump sum with a daily payment. How much you pay towards the room, where the money comes from and how any remaining DAP is funded can affect your cashflow, investments, Centrelink or DVA entitlements, aged care fees and estate.
I identify and model the realistic strategies for your circumstances, so you can understand the financial trade-offs before deciding how to proceed.
ADVICE
How advice works
Clear actionable advice
I provide clear, strategic advice based on your circumstances and the decisions you need to make. We start with a free, obligation-free introduction so I understand your circumstances and you understand how I can help. From there, the scope and fee are agreed and explained upfront before any work begins, so there are no surprises. You then receive clear written advice you can act on and share with your family.
Wherever you and your family are
I advise families across Australia by phone and online meetings, and in person across the Coffs Coast. Meeting online means siblings, attorneys and family members in different locations can all take part in the same conversation — which matters when the people involved in a decision don't live in the same place. In recent years, most of my clients have chosen to work with me this way.
These are hard decisions, often made at a hard time. My role is to bring calm, clarity and a clear course of action — so you can focus on what matters most.
— JASON BURLEY
JASON BURLEY
Specialist experience. Clear, practical advice.
Jason Burley
B Bus, G. Dip Fin Planning (Sec. Inst.)
With more than 25 years’ experience advising Australian families and specialist accreditation in aged care, I focus on one thing: making aged care finances make sense.
Other financial planners regularly refer clients to me when specialist aged care advice is required.
Accredited Aged Care Professional™ · Certified Financial Planner · 25+ years' experience · Authorised Representative of Count Financial Limited, AFSL 227232
Take the guesswork out of aged care.
One conversation can turn a stressful, complicated decision into a clear plan you can act on with confidence.