Navigating aged care can feel overwhelming—especially when urgent decisions must be made about a loved one’s wellbeing, finances, and future. The costs, government rules, and paperwork are complex, and making the wrong financial choice can be costly. That’s where an aged care financial planner or later life advisor can make all the difference.
An aged care financial planner is a qualified aged care specialist who helps families understand and manage the financial side of aged care. Their expertise can guide you through:
Whether you’re planning ahead or facing an urgent situation, an aged care advisor provides personalised guidance for your unique circumstances.
You should consider working with an aged care advisor when:
Getting advice early from an aged care financial planner often results in better outcomes—both financially and emotionally.
A professional aged care financial advisor helps you:
We’ve curated a list of 10 trusted aged care specialists across Australia who offer expert, compassionate guidance. Whether you need urgent support or want to plan for the future, these professionals can help you take the next step with clarity and confidence.
Advisor Since: 2007 | | LinkedIn
If you want a financial planner who speaks in the first person read on……
Although my job title says Financial Planner, my role is better described as somewhere between an asset project manager and a financial coach. Because, for me, finances are such an integral part of people’s wellbeing that it can’t all be about the numbers. Relationships always come first, not a financial plan. So, I will get a real sense of what you are trying to achieve, and what drives you, before we create your plan to financial freedom.
Where I add the most value is in amplifying success for my clients. Most have high incomes and a large asset base, and they look to me to develop their portfolios with robust strategies designed to achieve their goals, whether that be income requirements or capital growth. My recommendations aren’t clouded by offers of commissions, as I don’t take any from providers of new products. All of which builds trust.
Now, if you’re looking for a Financial Planner ‘Trusted Adviser’ is a buzzword that’s thrown around a lot in financial services. So much so that it’s lost all meaning. I think that real trust only comes with time and is proven. That’s why I’m most proud of the intergenerational wealth management side of my business, which means trust is handed down through a family year on year.
If you’re looking for a Financial Coach/Project Manager, then please get in touch.
You’ll see plenty of qualifications below. However, they are only a part of the equation. Drawing on my experience to fully understand the impact my advice will have on your situation is where the real value of my service comes in.
Qualifications
Amanda Cassar is passionate about helping her clients simplify their financial situation.
Knowing that money issues can be one of the top forms of stress, her goal is to help lighten the load for you.
Amanda is an award winning adviser and author, who holds a Master of Financial Planning and specialist accreditations in Self Managed Superannuation Funds and Aged Care advice.
She has been involved in financial services on the Gold Coast since 1992 after graduating from both primary and high school locally.
Wealth Planning Partners and Trusted Aged Care Services are her businesses, run from her offices in Robina.
This is very much a family business, with both Amanda’s adult children involved in the practice.
Contact Amanda for assistance with:
Amanda is also a member of the following organisations:
Certified Financial Planner®, Aged Care Specialist, B Bus (Acc&Fin)
Advisor Since: 2001 | | LinkedIn
His clients say it is his honesty, pragmatism and the fundamental desire to get things done that sets him apart from others in his field, while his peers cite trustworthiness, clear strategic thinking and a thoroughness that goes above and beyond expectations. It is these qualities that equip John for the role of Eqeus Managing Director, where he leads an innovative, yet grounded, team of financial professionals committed to offering a fresh approach to financial planning.
Developing close relationships with his clients, who include young adults accumulating wealth and those in their middle years consolidating and planning retirement, is an area that he continues to enjoy. John says that amongst his strongest skills are his ability to analyse then communicate complex matters through practical roll-out strategies, a proficiency that he intends to nurture within Eqeus’ strategic and original thinking. John understands that regardless of stage of life, his clients have aspirations and goals that often need a coach and mentor to bring to fruition.
While researching, planning and providing a tailored financial strategy are among his technical skillset, it is close listening, understanding and interpretation of needs where John excels to define personal goals and financial planning objectives aimed at helping his clients achieve their personal vision.
After graduating university, John worked as an accountant, moved on to become a paraplanner with a major financial services group, stepped up to financial planner, moved into the role of business development manager with a major property developer before settling in to his role at RK Financial Planning, which proceeded his Eqeus evolution.
His success also has a lot to do with life experiences. At 17 years of age, John’s family home was gutted during the Sydney bushfires. Everything he owned, and everything his parents had worked for, was destroyed. It was a life changing event and John says that as an introverted and quiet young man it brought a realisation that life is to be lived and material things are just that.
Importantly, he learned that planning for the unexpected and having a financial plan that is flexible and able to adapt to your changing life circumstances is essential for establishing the support necessary for financial and emotional recovery.
It was perhaps this personal experience that paved the way for John’s career in financial planning – a role which allows him to help clients to organise, understand, anticipate risk and make the most of their financial affairs for now and in the future.
Personally…
Away from the office, John’s most important job is being a father to his children Ryan, Mackenzie and Madison. While these days a couple of nagging injuries see him more on the sideline than on the field he has enjoyed his share of accolades since he began playing hockey at the age of seven. John played 1st Grade for more than 10 years and scored a couple of Best & Fairest awards including Best Player in a Grand Final and the University Blue Sporting Award from UTS. He has been a good club man too – Treasurer for a few seasons and now a coach – roles that match his innate sense of team work and mentoring.
Qualifications
Who Are Our Clients?
Office
Suite 106, 16 Wurrook Circuit Caringbah NSW 2229
B Comm, Masters in Financial Planning, Senior Financial Advisor
Matthew Jacobson is a seasoned financial adviser with over a decade of experience in the financial services industry. Starting his career in asset finance, Matthew has honed a deep understanding of strategic financial planning, placing strong emphasis on technical knowledge and practical, tailored advice. His approach to financial planning is holistic, addressing clients’ immediate needs while building a clear roadmap for their long-term financial goals.
A firm believer in the importance of continuous education, Matthew holds a Bachelor of Commerce, a Masters in Financial Planning, and a Diploma in Finance and Mortgage Broking. His expertise extends to specialised areas, including aged care, where his accreditation allows him to deliver even more value to his clients during critical life transitions.
Matthew is a Senior Financial Adviser at ActOn Wealth, a boutique financial planning firm known for its commitment to empowering clients to take control of their financial futures. ActOn Wealth is built on values of trust, integrity, and transparency, providing personalised and holistic financial advice. The firm’s mission aligns with Matthew’s own professional philosophy, ensuring clients receive not only technical expertise but also compassionate, client-first financial guidance.
At ActOn Wealth, Matthew offers a full suite of services, including:
At the core of Matthew’s practice is a passion for empowering his clients to make informed financial decisions. He blends technical expertise with a personalised approach, ensuring that each client’s financial plan is tailored to their unique circumstances, whether it’s building wealth, securing a comfortable retirement, or navigating complex financial situations.
When you choose Matthew as your financial adviser, you’re partnering with someone who is not only deeply knowledgeable but also genuinely invested in helping you achieve your financial aspirations.
Certified Financial Planner®, Aged Care Specialist, B Bus (Acc&Fin)
Dawn Thomas CFP®, SSA is an award-winning financial adviser whose clients appreciate her down-to-earth style, jargon-free advice and the effort she puts in to understand her clients and chase the best outcomes for them.
Dawn’s mantra is financial empowerment, which is why she launched The Wealth Designer’s Start Well program in 2023, a program designed to help educate groups of people, including young people, about money matters and develop a positive relationship with their finances.
Areas of expertise
Awards Dawn has won
About The Wealth Designers
The Wealth Designers are a team of independent financial advisers whose focus is not just understanding their clients’ financial ambitions, but also what they want to get out of life and what they want to leave behind as their legacy.
Deeply understanding the hopes and aspirations of their clients enables TWD advisers to use their financial planning expertise to help their clients live their best version of life, now and in the future. At TWD they call it “Living Well” and it’s a passion that TWD clients and team members live and breathe on a daily basis.
Why we like The Wealth Designers
They care about your life, not just your finances
The team at The Wealth Designers believe that wealth creation is driven by a desire to live well, and that definition changes from person to person. Their advice is designed not just to grow your net worth but to bring you closer to the life you dream of – now and in the future.
They focus on delivering value
The Wealth Designers won’t commit to working with you unless they are 100% confident that they can add value to you and your situation.
Their quality has been officially recognised
The firm and advisers have won some of the most prestigious awards in Australian Financial Advice, such as the AFA (FAAA) Practice of the Year award.
They have their own in-house investment team
With some of the best analysts in the country on hand, The Wealth Designers are able to consistently offer you well-researched, tailored investment propositions.
Their clients give them rave reviews
You can read more about the difference they make to their clients here.
Erika commenced PrimeCare Financial Planning in 2007 in response to a growing community need to provide personal financial advice to people working through the financial maze for Aged Care.
Erika is a co-author for the Australian Master Financial Planning Guide (Wolters Kluwer) on Aged Care and Retirement Living from 2010 to present. This is a prestigious manual used by accountants, lawyers, finance students, Government Departments, financial planners and universities. She is the forerunner on training the industry on the complexities of aged care.
Erika is also on the Board for a not for profit language specific aged care facility. Being on the Board of an aged care facility, allows Erika to provide her expertise to management and concurrently she broadens her experience and knowledge on the operations of an aged care facility. On this basis she has a greater knowledge base to assist her clients with the understanding of aged care.
Erika was also on the Board of Peninsula Health (a large public hospital network on the Mornington Peninsula) for 6 years. Again, the experience she acquired whilst on this Hospital Board, allowed Erika to gain further knowledge and information about how and why patients are transitioned into aged care from a hospital perspective.
With her current and past experiences across a range of significant aged care influences, Erika, is an industry leader and is therefore able to provide her clients with the best aged care advice and information possible within Australia.
MBA, Certified Financial Planner®, BComm, Accredited Aged Care Professional™
In 2007, after achieving top marks on an assignment, Melinda’s lecturer passed her information onto Muirfield. Now Managing Director at Muirfield, she has yet to look back. As a recognised specialist in Aged Care and Centrelink advice, Melinda not only loves working with her clients, but also presents regularly to local community groups, aged care facilities, and professional services firms.
Being the kind and wonderfully quirky individual that she is, we all feel that her chosen career is perfectly suited for her.
Outside of the office, Melinda is busy having all sorts of fun adventures with her husband and little boy, spending time in the kitchen (with a glass of red!) and attempting to tick off her ever growing list of restaurants to try and book the next holiday.
Qualifications & Memberships
Element Wealth Solutions is focused on supporting and guiding clients to improve the way they manage their finances and to help them feel financially confident throughout all stages of life. Principal Financial Adviser Tracy Dyer, has been providing financial assistance to those in and around the Erina region for over two decades and continues to support and nurture people in reaching their financial goals.
Tracy is a Senior Financial Planner with an Advanced Diploma of Financial Services (Financial Planning) and is an Accredited Aged Care Professional™. Tracy understands the importance of listening and really immersing herself in the financial aspects of her client’s lives in order to best understand how to provide them with advice that’s tailored to their needs and circumstances. Tracy is passionate about financial planning and believes in delivering her services with the highest standards of integrity, honesty and the customer service.
Tracy takes pride in delivering holistic services that take into account each client’s entire life circumstances. Our approach is an open and transparent one, where we aim to explain what can often be complex financial solutions and strategies in easy-to-understand terms and concepts. We believe in sharing our knowledge and empowering our clients to make smarter decisions about money. Because making certain financial decisions can have an impact on other areas they may not have considered.
Ultimately, our goal is to each client make their financial and lifestyle goals and aspirations become a reality through careful, disciplined financial planning.
“I provide objective advice based on informed analysis, prudent judgement and diligent effort.”
David has been with Morgans since 1987 and holds a Bachelor of Commerce. He has held a range of senior management positions within the group, including; Head of Financial Planning, Head of Marketing and Founding Director of Morgans self-managed superannuation fund administration subsidiary Your Entire Superannuation Solution (YESS). David is currently a Consulting Adviser with Morgans Aged Care Advice Service
Investment Style
David specialises in providing timely, cost-effective advice to clients and their families for home care and residential aged care.
Services and Specialties
Qualifications and Associations
Competencies
Kerri is a specialist lifestyle and care financial adviser who is dedicated to working with families to help them or a loved one transition into aged care or retirement living.
Finding the right solution for an individual, couple or family member requires clear and considered advice, and Kerri is focused on explaining all the financial options available to ensure clients and their families make the best possible choice for their circumstances.
Whether you are looking to move into aged care or retirement living, Kerri can help guide you through what is often a complex process.
She can take care of the whole process with providers and government agency to provide you with the peace of mind that everything has been considered and managed to make the transition as smooth as possible.
“What a gem Kerri is, an extremely knowledgeable lady with great ethics, understanding, and empathy for my circumstances. I will be forever grateful to her for making my journey into aged care living less daunting and knowing all planning for the future and paperwork is in order. “ – Janice Jones
In 2023, Kerri was named a Finalist in the ACS Aged Care Adviser of the Year Awards.
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Need local financial planning advice? Check out our recommended best financial planners in:
If you would prefer a female advisor, our list of the best female financial planners and advisors in Australia is a great resource.
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