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Our Services

An investor pointing towards positive performance.

Wealth Acceleration

  Accelerating and building wealth is the foundation of financial security. Our wealth acceleration strategies are designed to help you grow your assets and achieve financial freedom. We provide personalised advice to help you reach your financial goals.

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An aged care resident holding hands

Aged Care Planning

  Navigating the complexities of aged care can be overwhelming. Our aged care accredited advisers provide guidance and support to help you, or your loved, ones make informed decisions about care options and funding. We simplify the process, ensuring the best possible outcomes for your family.

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Investor holding a piggy bank

Retirement Planning

  Preparing for retirement is crucial to enjoying your golden years. We work with you to develop a comprehensive retirement plan that ensures you have the income you need when you stop working. From superannuation advice to pension strategies, we tailor our approach to suit your retirement goals.

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Plants growing from coins

Ethical & Responsible Investing

  We are experts in aligning your financial goals with your ethical values, helping you generate positive social and environmental impact alongside financial gains. This suits investors who wish to invest in ways that reflect their personal beliefs and contribute to a better world.  

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Wealth Acceleration

Investment Planning

Wealth acceleration requires a strategic approach to personal investments. We provide tailored investment advice to help you navigate the financial markets and reach your investment goals. Key services include:


Investment Advice & Management

We help you implement a strategic investment plan that’s right for you and delivers a path to meet your goals. Your Wealth Acceleration strategy puts you in control of your financial future. Rather than selling you a product, we work with you to find investments which best suit your needs. We can take care of the day-to-day management and help ensure that your investments are diversified and suitable for you.


Superannuation

Superannuation is a key component of your investment plan. We offer expert advice on managing your superannuation, your contributions, and choosing the right pension options to ensure a comfortable retirement.


Debt Management

Managing debt effectively is essential for financial stability. We offer practical advice on reducing and eliminating debt, allowing you to take control of your financial future. Our strategies are tailored to your circumstances, helping you pay down debt faster and more efficiently.


Life Insurance

Protecting your family’s financial future is paramount. Our life insurance solutions provide peace of mind, knowing that your loved ones are covered in the event of unexpected circumstances. We offer a range of insurance options tailored to your needs.


Estate Planning

Ensuring your assets are distributed according to your wishes is an important part of financial planning. We help you create a comprehensive estate plan that covers everything from Wills to power of attorney and succession planning.


Philanthropy

If giving back is important to you, our philanthropy services can help you make a meaningful impact. We provide advice on charitable giving and creating a legacy, ensuring your donations are aligned with your values and goals. We can also assist with the establishment and management of Private Ancillary Funds, helping you support the causes you care about most.


Tax-effective investment solutions

Self-Managed Super Funds (SMSFs), Family Trusts and other investment structures offer unique investment opportunities and control over your financial future. We provide comprehensive advice on setting up and managing these investment structures, ensuring they align with your financial strategy and values.

Ethical & Responsible Investing

In conjunction with our Wealth Acceleration services, you can also choose to receive advice on investments which suit your ethical values, as well as your financial goals. 


Ethical Investment focuses on aligning investment strategies with personal values, ethics, and social responsibility, without compromising on financial returns. 


It aims to generate positive social and environmental impact alongside financial gains, catering to investors who wish to invest in ways that reflect their personal beliefs and contribute to a better world.  


Find out more

Contact Us Today to Accelerate your Wealth

  Whether you’re a seasoned investor or just starting out, we craft solutions to match your risk tolerance and financial objectives. Our wealth acceleration strategies are designed to maximise your financial potential, enabling you to achieve your goals faster through smart planning and effective financial management. 


Contact us today to start your wealth acceleration journey. 

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Aged Care Financial Planning

Whether you, or a loved one, are considering a move to Residential Aged Care or accessing Home Care services, perhaps one of the most important benefits of seeking financial advice is the peace of mind it brings. 


Knowing that an Accredited Aged Care Professional is helping you navigate the financial aspects of aged care can help reduce stress and anxiety. This allows you to focus more on the quality of care and the well-being of your loved ones, rather than being bogged down by financial worries.


The financial aspects are complex, and the stakes are high. Seeking professional financial advice can provide clarity, ensure you make informed decisions, and ultimately protect your financial future. Advice provides you with certainty and the strategies to avoid the pitfalls while balancing and optimising your age pension, aged care fees, cashflow, tax and estate planning position.


Whether you are planning for yourself or assisting a loved one, engaging with a financial adviser can help you navigate the aged care system with confidence and peace of mind.

We offer a wide range of Aged Care Services

Accredited Aged Care Professional

Accredited Aged Care Professional

Accredited Aged Care Professional

Aged Care Accredited Professional

Navigating the aged care system in Australia can be a complex and challenging process, particularly when it comes to understanding the financial implications. 


As the population ages, more Australians are faced with making important decisions about aged care for themselves or their loved ones. 


Given the significant costs and the variety of care options available, obtaining professional financial advice is crucial. 


Importantly, our advisers are Accredited Aged Care Professionals, helping to ensure that you receive the highest standard of advice and support.


From guidance on obtaining an Aged Care Assessment Team (ACAT) assessment to structuring your assets correctly, we are here to help.

Understanding the Costs

Accredited Aged Care Professional

Accredited Aged Care Professional

Costs of aged care

Aged care fees in Australia are complex. Costs can include daily fees, means-tested care fees, accommodation payments, and additional service fees. 


Changes to these fees are coming in 2025 which presents another layer of complexity.


Without proper guidance, understanding these costs and how they will impact your finances can be overwhelming. 


Our accredited financial advisers specialise in explaining these costs and helping you plan for them. 


They can break down the expenses, compare different aged care options, and assist you in making an informed decision that aligns with your financial situation.

Financial Planning for Couples

Accredited Aged Care Professional

Financial Planning for Couples

Couples entering aged care

For couples, entering aged care can be particularly complicated. The timing of aged care entry can affect pensions, asset assessments, and care fees. 


Our financial advisers can help couples plan together, ensuring that both parties' financial needs and care requirements are met. 


They can provide strategies to optimise finances and care arrangements for both individuals.


Navigating aged care can be complex. We      specialise in providing tailored advice to help you or your loved ones transition into aged care with financial confidence, ensuring access to the best care options while minimising costs.

The Family Home

Maximising Government Support

Financial Planning for Couples

Aged care and the family home

One of the primary concerns for many individuals entering aged care is how to preserve their assets, particularly their family home. 


Decisions regarding whether to sell the home, rent it out, or retain it can have significant financial and emotional implications. 


An accredited financial adviser can provide strategic advice on managing assets to ensure you or your loved ones are financially secure while also considering the emotional ties to the family home.

Maximising Government Support

Maximising Government Support

Maximising Government Support

Balancing money, fees and pensions

The Australian government provides several types of financial assistance for aged care, including subsidies and benefits through programs like Home Support, the Commonwealth Home Support Programme (CHSP) and Home Care Packages (HCP). 


Navigating these programs and understanding eligibility criteria can be challenging. We can assist with maximising your Age Pension / DVA pension entitlement.


We can help ensure you receive all the support you're entitled to by guiding you through the Centrelink / Services Australia aged care application process and advising on how to maximise these benefits.

Tax Implications

Maximising Government Support

Maximising Government Support

Working out the tax implications

Aged care decisions can have various tax implications, including impacts on capital gains tax, income tax, and pension entitlements. 


Misunderstanding these implications can lead to unexpected tax bills and reduced benefits.


Our advisers can help you navigate the tax landscape, ensuring that you make decisions that are tax-efficient and beneficial in the long term.

Learn More About Aged Care

How We Help

We help give you confidence that you have made an informed aged care decision.

How to Find and Choose a place

Tips and tricks to help you find and choose a residential care place that suits you or a loved one.

My Aged Care

Find out how an accredited aged care adviser can help guide you.

Speak to an Accredited Aged Care Adviser Today

For a free chat about your options, send us a message below, or call our Aged Care team directly on 0400 782 968

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Aged Care Advice Areas of Expertise

  • Comprehensive Assessment: We evaluate your current financial situation, including assets, income, and liabilities. We provide details and education regarding the fees that will be payable in your situation, as well as cash flow advice on how to fund care costs and any shortfalls.
  • Tailored Advice: Customised financial strategies to meet your unique needs and preferences.
  • Cost Analysis: Detailed analysis of aged care costs, including entry fees, ongoing fees, means-tested fees, and potential additional charges.
  • Future Planning: Projections and planning for future financial needs to ensure long-term stability.


Centrelink and Pension Advice

  • Eligibility Assessment: Determining your eligibility for Centrelink benefits and pensions. We can provide advice on how to best structure assets and income to provide a favourable outcome.


Centrelink/Department of Human Services assessment

  • Application Assistance: Guiding you through the application process to ensure all necessary documents and information are provided. If you prefer, we can prepare and lodge the paperwork and deal with Centrelink/Services Australia on your behalf.
  • Ongoing Support: Continuous support to manage and adjust your benefits as your circumstances change.


Estate Planning

  • Estate Plans: Guidance on establishing Wills and Power of Attorney arrangements for financial and health matters.
  • Succession Planning: Strategies for transferring wealth and assets to the next generation in a tax-efficient manner.
  • Asset Protection: Ensuring your assets are protected and allocated according to your wishes.


Aged Care Fees

  • Refundable Accommodation Deposit (RAD): Advice on paying a lump sum to cover accommodation costs and strategies for managing this payment.
  • Daily Accommodation Payment (DAP): Information on paying daily fees instead of a lump sum, and how to budget for these expenses.
  • Combination Payments: Guidance on using a combination of RAD and DAP to suit your financial situation.
  • Government Support: Information on available government support for accommodation costs and how to apply.
  • Means Tested Fees: Guidance on how to reduce fees while taking into account tax, estate planning and other issues.


Retirement Planning

Planning for retirement can be complex, but with expert guidance, you can achieve peace of mind and financial security in your golden years. Our tailored retirement planning services in Australia are designed to help you navigate the challenges of preparing for and enjoying retirement, ensuring your money lasts as long as you do. 

Superannuation & Pension Strategies

Superannuation & Pension Strategies

Superannuation & Pension Strategies

A person looking at superannuation plans

 Maximise your retirement savings with personalised advice on contributions, withdrawals, and investment options. 


Retire with confidence knowing that your superannuation and pensions are being professionally managed. 

Centrelink Pension Advice

Superannuation & Pension Strategies

Superannuation & Pension Strategies

Stocks, investments and pensions

 Navigate the complexities of government benefits, ensuring you receive the maximum entitlements you’re eligible for. 

  

Take full advantage of benefits like the Age Pension and concessions to supplement your income.

Tax Planning

Superannuation & Pension Strategies

Estate Planning

A plan to minimise tax

  Minimise tax liabilities through strategic planning, helping you retain more of your wealth.   


Avoid common pitfalls with expert strategies to manage retirement expenses and optimise tax efficiency.

Estate Planning

Longevity Risk Solutions

Estate Planning

Protect the family and estate plans

  Protect your legacy by ensuring your assets are distributed according to your wishes while minimising legal and tax implications.


We can assist with helping to ensure you have your estate plans in place correctly. 

Longevity Risk Solutions

Longevity Risk Solutions

Longevity Risk Solutions

Green money

  Manage the risk of outliving your savings with smart investment options like annuities and income streams.   


We’ll help you project your retirement needs and create a plan to meet your goals.

Smart Investment Choices

Longevity Risk Solutions

Longevity Risk Solutions

Making smart investment choices with a diversified portfolio

  Ensure your portfolio is diversified and aligned with your risk tolerance, time horizon, and retirement objectives.


We'll help you put a plan in place and help select investments which align with your personal goals.

 Whether you’re planning for retirement or already retired, we’re here to provide clear, actionable advice tailored to your needs. Let us help you turn uncertainty into confidence and create a secure financial future.


Contact us today to start your journey to a worry-free retirement. 

Contact Us

Ethical & Responsible Investing

Ethical Investment

Ethical Investment focuses on aligning investment strategies with personal values, ethics, and social responsibility, without compromising on financial returns. 


It aims to generate positive social and environmental impact alongside financial gains, catering to investors who wish to invest in ways that reflect their personal beliefs and contribute to a better world.  


There are many elements to Ethical Investment, all of which we can incorporate into your tailored Ethical Wealth Acceleration plan.


1. ESG (Environmental, Social, and Governance) Investing

  • Environmental:   Investing in companies that prioritise sustainability, such as reducing carbon footprints, promoting clean energy, and minimizing environmental impact.
  • Social:  Supporting businesses that foster positive social outcomes, including fair labour practices, community engagement, diversity, and inclusion.
  • Governance:  Focusing on companies with strong corporate governance, transparency, ethical business practices, and responsible management.


2. Sustainability-Focused Investments

  • Helping you invest in companies that are leaders in sustainability and responsible      resource management. This can include sectors like renewable energy, sustainable agriculture, waste management, and water conservation.
  • Evaluating the sustainability metrics of potential investments to ensure they meet rigorous environmental standards and contribute to long-term ecological health.


3. Screening and Selection of Ethical Investments

  • Negative Screening: Excluding investments in industries or companies that do not align with your ethical values, such as tobacco, weapons, fossil fuels, and other sectors considered harmful or controversial.
  • Positive Screening: Actively seeking investments in companies that make a positive impact, such as those involved in healthcare, education, green technology, and social innovation.


4. Impact Investing

  • Investing in companies, organisations, and funds with the intention of generating measurable social and environmental impact alongside financial returns.
  • Focusing on sectors such as affordable housing, microfinance, education, and sustainable infrastructure that contribute to societal goals.


5. Customized Ethical Investment Portfolios

  • Creating tailored investment portfolios that reflect your unique ethical preferences and values. This personalised approach ensures that each investment aligns with your moral and ethical considerations.
  • We offer flexibility in adjusting investment strategies as your values or market conditions evolve.


6. Regular Monitoring and Reporting

  • Providing regular monitoring of ethical investment portfolios to ensure continued alignment with your ethical criteria.
  • Offering regular reports on the social and environmental impact of investments, as well as updates on financial performance.


7. Education and Guidance

  • Providing news and education on the latest trends in ethical investing, including new opportunities and potential risks.
  • Offering guidance on understanding the impact of your investments and how they contribute to broader social and environmental goals.


By incorporating ethical investment strategies, we can help you to invest in ways that not only meet your financial goals, but also reflect your commitment to making a positive difference in the world. This service is ideal for investors who are looking to support causes they care about while still achieving solid financial returns.

Ethical Assessment

What type of ethical investor are you? 


How well do your current investments or superannuation align with your ethical values? 


What type of impact (negative or positive) are your investments having on the world?


Take the short quiz to find out now.

Take the Ethical Assessment

Find out more about ethical investing

Hear from real clients about their ethical investment journey and why they chose an ethical investment specialist. 


Brought to you by the Ethical Advisers' Co-operative, of which we are a member. 

Financial Services Guide

Our Financial Services Guide outlines in detail, who is responsible for the advice given to you, the services we can provide to you, the fees payable, what to do in the event of a concern or complaint, as well as details of our privacy policy.  

Financial Services Guide (pdf)

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Accelerated Wealth acknowledge their cultural and spiritual connections to land, sea, waterways, flora and fauna. Accelerated Wealth considers with regard the Ancestors, and the current and emerging Elders for their contributions. 

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