5 key things to know about new Aged Care fees
Big changes are on the way for aged care, with new rules starting from 1 July 2025.
April 29, 2025
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Wherever you’re at in life, you want to know your financial decisions are moving you forward, not in circles. At RFS Advice, we help transform your hard work into a future without regrets – one where your money creates the memories and moments that matter most.
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RFS Advice is a skilled, experienced and caring Gold Coast financial planning firm. Our financial advisers will provide you with recommendations tailored to your goals and risk profile, so you can achieve the outcomes you want.
- How we help
Financial Confidence at every stage
We understand that life dosen’t follow a perfect script. Markets change. Circumstances shift.
That’s why we focus on building a robust financial foundation that can weather any storm, throughout the stages and phases in life.
Freedom seekers in their 50s and 60s who want a clear path to making work optional within the next seven years.
Couples earning $200k+ who know it's time to turn solid income into lasting wealth beyond just paying off the mortgage.
Business owners hitting growth milestones who need more than just tax advice to make confident decisions about their personal and business wealth.
Families facing the emotional and financial complexity of moving a loved one into aged care, who need expert guidance to make the best decisions.
Self-funded retirees who want to live their best life without constantly wondering if their money will last.
Businesses and family offices who need objective, strategic expertise to strengthen their investment decisions.
People considering the move to a retirement community, who want clarity around options, costs and protecting their wealth.
- About us
Gold Coast Financial Advisers
As a team-owned, self-licensed firm, we have the freedom to put your interests first, without pressure from banks or corporate headquarters.
After 25+ years of helping clients navigate market shifts and life changes, we’ve learned that real financial confidence comes from advice that considers your entire life picture – from family goals to lifestyle dreams.
Our expertise isn’t just in managing money – it’s in helping you develop sustainable habits and making complex decisions simple.
- RFS Advice Aged Care
Make aged care decisions with confidence and care
RFS Advice understands that making aged care decisions on behalf of a parent or family member is as much of a financial challenge as an emotional one.
Navigating all the different lifestyle and healthcare options is just as hard as trying to understand complex fee structures and financial regulations. There are often time pressures to deal with as well. No wonder so many people find it overwhelming.
That’s why our specialist aged care advice team will give you strong support – both financial and emotional. We’ve done this many times before and will guide you towards making the right decision for your loved one.
- Who we are
25+
Years
In-depth knowledge and proven financial expertise
20+
Specialists
A dedicated team of financial experts at your service
500+
Families
Serving a thriving community of satisfied families
"Nothing truly great happens until someone becomes passionate about something"
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- Grow and protect your wealth while making sure you are living, not just planning for someday
Contact us to arrange a time for a no-pressure meeting with one of our financial advisers.
Get a practical plan that turns complexity into clear, confident decisions.
Enjoy life’s moments, knowing your financial future is in good hands.
Grow and protect your wealth while making sure you're living, not just planning for 'someday'.
Let's Talk
Contact us to arrange a time for a no-pressure meeting with one of our financial advisers.
Get clear direction
Get a practical plan that turns complexity into clear, confident decisions.
Live without second guessing
Enjoy life's moments, knowing your financial future is in good hands.
- Grow and protect your wealth while making sure you are living, not just planning for someday
Let's Talk
Contact us to arrange a time for a no-pressure meeting with one of our financial advisers.
Get clear direction
Get a practical plan that turns complexity into clear, confident decisions.
Live without second guessing
Enjoy life’s moments, knowing your financial future is in good hands.
- Our Capabilities
Create more freedom
at every stage
Future-Focused Families
As a high-performing professional or business owner, you’ve got the income – what you don’t have is the time or headspace to turn it into lasting wealth.
We help you turn your hard-earned income into real wealth to build a rock-solid future for your family.
Making Work Optional
You’re mortgage-free and the kids have left the nest – now it’s time to think about what’s next.
We’ll show you exactly when you can step back from work, while keeping the lifestyle you love.
Women managing money independently
You’re making all the financial decisions, and it’s overwhelming. You’ve got questions, but no one to ask.
We’ll help you shoulder the financial burden and act as your financial confidante so you can focus on looking to the future.
Living the good life in retirement
Downsizing to a retirement community is a big financial move. From contract options to complex fees and impacts on your pension, there’s lots to consider.
Don’t get trapped by costly contract terms or hidden fees – we’ll help you understand exactly what you’re signing up for before you commit.
Considering a retirement community
Moving a parent or relative into aged care can be overwhelming emotionally, physically and financially.
Our specialist advisers will take on the mental load, clarify your options and explain everything in plain language so you can confidently make the best possible decisions.
Investment committees
You’re steering significant investment decisions for your organisation or family office, but the growing complexity of markets and governance demands is making it harder to move forward with confidence.
We provide the strategic expertise and outside perspective you need to strengthen your decision-making process.
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Frequently asked questions
We work with people in their 40s who want to turn their income into lasting wealth; freedom seekers in their 50s and 60s who want a clear path to making work optional; self-funded retirees who want to live well while preserving their wealth; people considering moving into a retirement community; and families who face the challenge of moving a loved one into aged care.
Your investment strategy will be tailored just for you, and will reflect your goals, risk profile, investment timeframe and personal circumstances. We will regularly review your investment strategy on an ongoing basis, to ensure it continues to be a good fit.
We’re an award-winning firm that has more than 25 years of experience and, based on our reputation, are regularly interviewed by the media and asked to contribute commentary. We also have teams dedicated to different types of clients, from middle-aged business owners to those planning to move into aged care. Most importantly, we care: we work hard to ensure our clients live happier, healthier and more successful lives.
Yes, the introductory meeting is complimentary. During this meeting, you can ask whatever questions are on your mind, share your goals and concerns, and decide whether we’re a suitable match.
That depends on your individual circumstances. For many clients, financial advice is a superb investment, because the value far outweighs the cost. Through our knowledge of tax, investing, superannuation and risk, RFS Advice can help you make informed financial decisions, avoid costly mistakes and create a tailored strategy to achieve your goals. However, there are some circumstances in which a client – due to their financial position or scenario – would not get enough benefit to justify working with a financial adviser. We will advise you of the potential benefits of working with RFS Advice during our introductory meeting.
