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Stage 07

Care & Legacy

Peace of mind and dignity for later years

Moving into aged care or navigating end-of-life decisions is one of life’s most difficult transitions. Families are often faced with urgent decisions, complex costs, and emotional pressure, all at once. We provide clear guidance on aged care and estate planning during this time, helping you make informed decisions, protect assets, and ensure everything is handled smoothly and with dignity.

Stage 07

Care & Legacy

Peace of mind and dignity for later years

Moving into aged care or navigating end-of-life decisions is one of life’s most difficult transitions. Families are often faced with urgent decisions, complex costs, and emotional pressure, all at once. We provide clear guidance on aged care and estate planning during this time, helping you make informed decisions, protect assets, and ensure everything is handled smoothly and with dignity.

The 7 Stages of Life

The Care & Legacy journey

Defining priorities

Determining care needs, selecting a facility, deciding on services, and ensuring your final wishes will be honoured and your family taken care of.

Establishing good habits

Aged care is complex and navigating the rules can be a maze. We make sense of it for your position, and help you figure out care costs and how to best fund them.

Navigating unknown

Entering care and planning for end of life is emotionally confronting. We give you confidence in your financial affairs, reducing the stress going forward and giving you peace of mind.

How we can help

Typical scope of work for this stage

We have experts for those looking to make confident choices in the later stages of their lives. We can discuss:

Understanding the system

Providing clarity around the complex aged care rules, helping you understand what is relevant to you in simple language.

Avoiding common mistakes

Giving guidance on avoiding common pitfalls and mistakes that people often make when entering care.

Determining the costs

We show you the clear financial costs, with no sugar-coating or minimization, as well as how to reduce these costs as much as possible.

Exploring your options

Assistance with understanding the outcomes of different facilities and care options, with guidance on what is financially realistic.

Protecting your wealth

Ensuring your hard-earned wealth is protected and maintained as much as possible, leaving as much as possible for your family.

Managing your cash flow

Showing you the best way to fund your care costs and structure your assets to maximise income.

Clients Like You

Real stories, real outcomes.

Each of our clients has a unique story and set of circumstances, but in each story many things will resonate. Find out how we were able to help our clients work towards future goals and dreams.
Life well lived – Bob & Vincenza’s story
Living life to the full

Life well lived – Bob & Vincenza’s story

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Your Specialists

Matched to your life stage

Making sure your family is cared for and your legacy is protected takes careful, considered planning. The planners matched to this stage specialise in aged care and estate and wealth transfer strategy.

Your Specialists

Questions we help you answer

We deliver comprehensive advice that compares different options to help you make the best decision for your future. With consideration given to what truly matters at this stage of life.

Getting the foundations right now makes everything that follows simpler, cheaper and more rewarding. Partnering with an expert provides the confidence to act – and investing in your financial literacy is your best investment yet.

  • How much will I pay if I need aged care?
  • What can I do to reduce these costs?
  • Which aged care facilities can I afford to enter?
  • Should I sell my home or rent it out after entering care?
  • How much will be left for my family?
  • What are the common mistakes people make?

Explore more on what we do

Logo - Charter Financial Planning
Logo - ASTRUM Awards - Practice of The Year Finalist
Logo - ASTRUM Awards - Customer Excellence Finalist
Logo - Most Trusted Advisors Award
37 Years Est.|80 Years Experience|5 Most Trusted Advisor|3 Locations

Ready for your path forward

Book a conversation with Bill or James – the first step is simpler than you think, and it could change your financial future.

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Meet Our Planners