Stockbroking | Wealth Management | Corporate Advice


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Aged Care Advice

Morgans provides an Aged Care Advisory Service which sets out to assist busy families and aged parents who are in need of entering some form of aged care facility.

This is often a period of significant stress for families as critical decisions need to be made in relation to the type of care a parent or parents need, the location and proximity to family of such a facility and most importantly how to fund entry to the facility.

Our service is designed to simplify the decision making process for families and to provide peace of mind for the whole family where parents are about to, or are considering, the move into an Aged Care facility.

Your adviser can assist you with:

Planning and setting goals

  • Explain the workings of the aged care system and the options available to you and your family.
  • Outline the steps ahead to give you a direct path towards finding appropriate care.
  • Act as a central reference point for clear and relevant information on aged care.
  • Help you to identify what's important and establish your aged care goals and objectives.

Financial Review

  • Review your financial situation to gain a complete understanding of your assets and income and whether the family home can be used to help fund your aged care.
  • Establish in broad terms what you can afford to pay to enable you to search for a suitable aged care facility.

Estimate Fees and Options

  • Explain how entry fees and daily care fees are calculated and estimate what you may need to pay for aged care.
  • Determine the financial advantages of keeping or selling the home (if it is available to fund your aged care).
  • How to best fund the upfront Accommodation Payment - as a lump sum Refundable Accommodation Deposit, an ongoing Daily Accommodation Payment, or a combination of the two.
  • Evaluate the impact of various strategies on your age pension entitlements and daily care fees.

Optimise Cashflow

  • Develop strategies to optimise your financial position including minimising fees and maximising entitlements.
  • Seek strategies designed to not only cover aged care costs but achieve an optimum financial outcome for you.

Estate Planning

  • Maximise estate assets for beneficiaries and ensure that the estate plan continues to reflect your wishes.


"Understanding the complexities of the financial world was daunting for a person of my age. I found Ros McKinnon at Morgans to be professional and personal, who took the time to understand my particular circumstances. I would highly recommend her to anyone who needs assistance."

Laurel Poulsen (April 2016)

"Hi Mike,

We last talked about our happy outcome for Bernie at Buderim Views, a place with such a beautiful environment and a level of fees that we wouldn't have thought a place was possible, until you suggested I call them back after we received our assessment. We're very grateful that due to your good financial advice it became affordable and made it possible for him to have a partly supported bed there. We would never have made it to that point without you and Ros guiding the long assessment process, and in addition you were both thoughtful and compassionate, knowing it wasn't just about the money but about a very difficult move in terms of emotional and practical factors as well.

You and Ros were crucial to this outcome. Thank you both."

Joy Paul, Tewantin (March 2016)

Contact us

Sunshine Coast Senior Client Advisers and Aged Care consultants - Mike Curley and Ros McKinnon have combined experience of more than 20 years in the area of aged care advice.

This is an area where no two situations are the same. According to Mike and Ros, this can be a time of great stress for families often due to the complexity of the assessment and swiftness of the changing needs of elderly family members.

Mike and Ros are happy to refer clients to allied professionals who will assist with information and guidance on the types, locations and care levels of residential care facilities available on the Sunshine Coast to facilitate a smooth transition to the appropriate care.

Morgans Sunshine Coast Aged Care advice specialists provide alternatives in relation to the financial aspects of this process such as:

  • Whether to retain or sell the family home
  • Funding the upfront and on-going cost of care
  • Maximisation of Centrelink/Veteran Affairs benefits
  • Liaising with Aged Care providers on your behalf
  • Payment of benefits under the Aged Care Act
  • Review of investment portfolios

Contact Mike Curley or Ros McKinnon at Morgans Sunshine Coast to find out more.