Professional headshot of a business advisor in a white shirt, smiling confidently against a warm neutral background.
Professional headshot of a business advisor in a white shirt, smiling confidently against a warm neutral background.
Professional headshot of a business advisor in a white shirt, smiling confidently against a warm neutral background.

Aged Care Financial Planning

Aged Care Financial Planning

Aged Care Financial Planning

Financial decisions made with a clear head

Plain (no jargon) financial advice for older Australians and the families supporting them.

Financial decisions made with a clear head

Plain (no jargon) financial advice for older Australians and the families supporting them.

How I Help

Aged care often arrives suddenly. A fall, a hospital stay, a decision needed within weeks.

Whether you're planning for yourself or helping a parent, the questions are the same. What will it cost? What happens to the house? How does the pension change? Will there be anything left?

I help you answer them calmly, with the full picture in front of you.

  • •

    What care will cost, at home or in an aged care home

  • •

    How to pay for the room: a lump sum, a daily payment or a mix

  • •

    Whether to keep, sell or rent the family home

  • •

    How each choice affects Centrelink or DVA payments

  • •

    Making the money last for the years ahead

  • •

    Wills, powers of attorney and legacy wishes

  • •

    Keeping the whole family on the same page

Why this matters to me

Outside my practice, I volunteer helping older people in my community stay independent, with lifts to appointments and time for a chat. It reminds me what's really at stake in these decisions: independence, dignity and peace of mind.

  • •

    Aged Care Accredited Financial Planner

  • •

    Certificate in Aged Care Services, University of Tasmania

  • •

    Understanding Dementia, Wicking Dementia Research and Education Centre

  • •

    Chartered Accountant

how it works

how it works

Talk

Tell me what's happening and what's worrying you. Family are welcome.

Talk

Tell me what's happening and what's worrying you. Family are welcome.

Talk

Tell me what's happening and what's worrying you. Family are welcome.

Plan

I lay out your options in plain English and put my recommendations in writing.

Plan

I lay out your options in plain English and put my recommendations in writing.

Plan

I lay out your options in plain English and put my recommendations in writing.

Act

Implement agreed strategies, assist with Centrelink forms & build your aged care transition team.

Act

Implement agreed strategies, assist with Centrelink forms & build your aged care transition team.

Act

Implement agreed strategies, assist with Centrelink forms & build your aged care transition team.

Let's talk it through

Whether it's planning for yourself or a parent

A conversation is the best place to start, whether the decision is next week or years away.

Let's talk it through

Whether it's planning for yourself or a parent

A conversation is the best place to start, whether the decision is next week or years away.

WARNING: General advice only. Readers are advised to discuss, with an Authorised Representative, the appropriateness of each recommendation, together with the general and specific risks of investing having regard to personal needs, objectives and financial circumstances. All Rights Reserved. Aadil Abbas Lakdawalla (Authorised Representative No. 1300922) and Third Horizon Advice Pty Ltd, ABN 87 664 610 459, ACN 664 610 459 (Corporate Authorised Representative No. 1320130), are Authorised Representatives of PGW Financial Services Pty Ltd, ABN 15 123 835 441, AFSL 384713

© 2026 Third Horizon Advice

WARNING: General advice only. Readers are advised to discuss, with an Authorised Representative, the appropriateness of each recommendation, together with the general and specific risks of investing having regard to personal needs, objectives and financial circumstances. All Rights Reserved. Aadil Abbas Lakdawalla (Authorised Representative No. 1300922) and Third Horizon Advice Pty Ltd, ABN 87 664 610 459, ACN 664 610 459 (Corporate Authorised Representative No. 1320130), are Authorised Representatives of PGW Financial Services Pty Ltd, ABN 15 123 835 441, AFSL 384713

© 2026 Third Horizon Advice

WARNING: General advice only. Readers are advised to discuss, with an Authorised Representative, the appropriateness of each recommendation, together with the general and specific risks of investing having regard to personal needs, objectives and financial circumstances. All Rights Reserved. Aadil Abbas Lakdawalla (Authorised Representative No. 1300922) and Third Horizon Advice Pty Ltd, ABN 87 664 610 459, ACN 664 610 459 (Corporate Authorised Representative No. 1320130), are Authorised Representatives of PGW Financial Services Pty Ltd, ABN 15 123 835 441, AFSL 384713

© 2026 Third Horizon Advice