The right advice now helps you make the best choices for future care, security and happiness.

In 2025, the aged care funding model underwent a significant transformation. The sector has faced intense financial pressures, prompting the introduction of new rules in November aimed at ensuring long-term sustainability and creating a fairer system for all members of society. These changes acknowledge the growing costs associated with supporting a large cohort of individuals who require care. The reality of caring for so many people has highlighted a substantial increase in expenses during the years when disability and frailty become common. However, while the reforms aim to address sustainability, they have also added complexity, potentially making access more challenging rather than easier.

We believe it’s essential for our clients to plan for the full retirement journey, including the later years when frailty may become a reality. Thoughtful planning helps you maintain control and independence, even as your care needs evolve over time. We understand the added complexity these changes bring to retirement planning and have invested in training and internal infrastructure to deliver the level of service this area demands. Jody Dening will lead our aged care offering, supported by the Graham Financial administration team.

Aged care is increasingly complex and costly. With Jody and our team, you have access to specialist advice and the support this important area deserves. We’ll revisit this topic in 2026, but in the meantime, we encourage you to reach out to our office to learn more about our aged care advisory service—or simply bring it up at your next meeting with us.