The Best Aged Care Financial Advisors in Australia
Let us help you find the best aged care advisor for your needs.
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.
Certified Financial Planner®, Aged Care Specialist, Ad Dip FP
Advisor Since: 2017 | | LinkedIn
Gareth blends strong technical knowledge with a people-first philosophy, recognising that financial clarity begins with understanding what truly drives each client. His warm and balanced style supports thoughtful, goal-aligned planning. Known as a reputable adviser, he builds long-term relationships through trust, perspective, and practical advice.
Areas of Expertise: Portfolio development, estate planning strategy, aged care planning, financial coaching, intergenerational wealth management
Typical Clients: Families, retirees, intergenerational households, values-driven clients
Masters FP, SMSF, Aged Care
Advisor Since: 2001 | | LinkedIn
Amanda has advised Gold Coast families since the early 1990s and is particularly known for simplifying complex financial situations through practical retirement planning. Alongside her work in super and aged care strategy, she brings an educational, stress-reducing approach to advice. She is an award-winning adviser with deep local roots and multi-generational client relationships.
Areas of Expertise: Superannuation, SMSFs, investment strategy, personal insurance, estate planning, aged care advice
Typical Clients: Retirees, Pre-retirees, Families, SMSF trustees
Key awards: Entrepreneur of the Year, Woman in Finance (2020, 2021 Finalist), SMSF & Accounting Awards (2017-18), FS Power50 Most Influential Advisers (2017)
Certified Financial Planner®, Aged Care Specialist, B Bus (Acc&Fin)
Advisor Since: 2001 | | LinkedIn
John brings a practical, steady approach to financial planning, helping clients turn complexity into clear, actionable steps. His strong listening skills and strategic thinking support clients through all life stages. As an experienced adviser, he focuses on structure, risk awareness, and long-term planning that adapts as circumstances evolve.
Areas of Expertise: Comprehensive financial planning, family trust and company structures, Family CFO services, investment management, tax-efficient strategy, estate planning, aged care strategy
Typical Clients: Business owners, family groups, trust users, structured planners
Senior Financial Adviser, BComm, MFinPlan, DipFin & MB
Advisor Since: 2014 |
Matthew is a reputable financial adviser with a strong technical foundation, holding postgraduate qualifications alongside specialist accreditation in aged care advice. His work often supports clients through complex life stages where clarity and structure matter most. Matthew focuses on practical financial planning that balances immediate needs with long-term outcomes, helping clients navigate decisions confidently while staying aligned with their broader financial goals.
Areas of Expertise: Wealth accumulation, retirement planning, superannuation, aged care advice, investment planning, insurance advice, estate planning, cash flow and debt management
Typical Clients: Families, Pre-retirees, Retirees, Older Australians, Aged care clients
Founder and co-director. CFP®, BA, Grad Dip Sociology, Diploma FP.
Advisor Since: 1999 |
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.
Office
Level 1, 27-31 Myers St
Geelong Vic 3220
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.
Office
Suite 4.03, 200 Central Coast Highway Erina NSW 2250
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
BCom GAICD, Adviser & Aged Care Specialist
“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
Managing Adviser, Lifestyle and Care
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.
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.
Are you also looking for a local financial advisor?
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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