Effective retirement planning lays the groundwork for securing a stable and fulfilling future.
Proactive planning around savings, strategic investments, and entitlements enables you to maximise your resources during retirement. This approach not only prepares you financially but also empowers you to navigate the complexities of aged care facilities, such as nursing homes, respite care, dementia care, and palliative care.
Our accredited aged care professionals understand the emotional and logistical challenges involved in these decisions, offering tailored advice to support you and your loved ones every step of the way.
Vince Lam is an Accredited Aged Care Professional™ and an experienced Independent Financial Advisor in the North Shores of Sydney. He works closely with individuals and families to assist in making educated decisions when looking at aged care options.
Advantages of starting early in aged care planning?
Options around Residential and Respite Care
Our team are specialists in financial advice for retirement and beyond. Aged care facilities (often referred to as nursing homes) provide accommodation, meals, cleaning, 24 hours round the clock care, plus extras where available. Consequently, the costs associated with aged care facilities and residential care are significant and can vary.
Outside of Aged Care facilities, there are alternate options for in-home care such as respite, home and garden maintenance, community support and more.
We are very different compared to other Financial Advisors in Sydney.
Plutus Financial Guidance provides CIFAA-certified independent financial advice. As independent financial advisors we take no asset-based fees, commissions, or kickbacks – nor do we receive referral fees.
We are not connected to any financial institution or product manufacturer, nor do we have our own products. Therefore we are not incentivised to sell products to you. Instead, we focus on quality strategic advice coupled with product recommendations that is in your best interest and free from conflict remuneration. We are not restricted to any particular providers and do not have a limited list of products with undue influence.
Important questions for aged care retirement planning
How can we help you?
More Than Just An Advisor
It’s our belief that financial advice is very personal and relationship-based. We will listen to your fears, work out the issues driving those feelings and provide practical long-term answers.
Developing a Customised Plan and Remove Uncertainty
All clients will have unique circumstances, needs and requirements when it comes to Aged Care. We’re here to help provide a clear direction on financial options and associated costs.
Maximising Government Entitlements and Care Fees
We can help you navigate government support programs, such as the My Aged Care, age pension, superannuation, and other entitlements to ensure you receive the maximum financial assistance available to you in retirement.
Long-term Investment Planning
Developing a sustainable investment strategy is crucial for growing and preserving capital for future retirement and aged care needs. We can assist in ensuring you maintain your desired lifestyle and standard of living throughout retirement.
Ongoing Support and Monitoring
We will review your financial situation regularly, adjust strategies as needed, and keep you informed of any changes in legislation or market conditions that may impact your retirement goals.
Client-Centred Expertise
We focus on providing client-centred expertise in assessing your financial profile and situation. Our independence means we aren’t restricted in the advice we offer, you’ll receive the right strategy and product to suit your exact needs.
No matter what life stage you are at, we’re here to help you create positive changes allowing for more time to enjoy the finer things in life.
