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 big decisions in aged care are interconnected — how you pay for accommodation affects your pension, which affects your cashflow, which affects 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
Pay the room price in full or part
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?
One of the biggest calls you'll make
When you enter residential care you're usually asked how you'll pay for your room — as a lump sum (a Refundable Accommodation Deposit, or RAD), as an ongoing daily charge (a Daily Accommodation Payment, or DAP), or a combination of both. Paying more as a RAD usually lowers your DAP, but the right choice depends on your cashflow, assets, Age Pension position and broader plan. I model all three approaches on your actual numbers, so the decision is based on evidence rather than a rule of thumb.
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 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 their own clients to me for this expertise.
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.