Making Work Optional
- Retirement Community Financial Advice
Retirement Community Financial Advice
- Retirement Community Financial Advice
Considering moving into a retirement community?
Know what you're getting yourself into.
Moving to a retirement community could give you the lifestyle you want – more activities, less home maintenance and support when you need it. It’s an exciting change, but we know the financial side can feel overwhelming.
Between complex contracts, confusing fee structures and questions about your pension, there’s a lot to get your head around. And you don’t want to get ripped off with outrageous exit fees if you want to sell and move on.
That’s where we come in. We’ll break down the real costs, explain your options clearly and help you see exactly how this move could work for your situation. Get the social life and support you want, without the financial worry.
Avoid the contract traps
Get clear on exactly what you're signing up for – from entry fees and ongoing costs to those exit fees everyone warns you about.
Compare your options properly
See the real differences between communities – in plain English, with all costs laid bare – so you can choose the right one for your budget and lifestyle.
Keep your pension protected
Know how this move affects your Centrelink benefits before you commit, so you don't accidentally mess up your fortnightly payments.
- How We Can Help
Make sure there are no surprises when you sign on the dotted line. We get into the T&Cs of your contract options so you’re happy with what you’re agreeing to.
Ongoing fees can add up quickly. We analyse how they’ll impact your budget so you know you can go forward without cutting back on your lifestyle.
Downsizing may impact your pension entitlements. We explain any potential impacts and provide guidance on structuring your finances to avoid a reduction.
You’ve worked hard to make sure the kids are taken care of. We help you structure your assets and estate plan so you can preserve as much as possible.
The sale of your home and other assets may have tax implications. We create a tax-efficient financial strategy that minimises the effect and maximises your income.
Know you can comfortably afford your new home and lifestyle in the long term without worrying about surprise costs or the unknown impacts on your estate.
Make sure there are no surprises when you sign on the dotted line. We get into the T&Cs of your contract options so you’re happy with what you’re agreeing to.
Ongoing fees can add up quickly. We analyse how they’ll impact your budget so you know you can go forward without cutting back on your lifestyle.
Maximise the potential of your SMSF. Tailored investment advice helps you put in place the most tax-efficient contribution strategies.
Downsizing may impact your pension entitlements. We explain any potential impacts and provide guidance on structuring your finances to avoid a reduction.
You’ve worked hard to make sure the kids are taken care of. We help you structure your assets and estate plan so you can preserve as much as possible.
The sale of your home and other assets may have tax implications. We create a tax-efficient financial strategy that minimises the effect and maximises your income.
Know you can comfortably afford your new home and lifestyle in the long term without worrying about surprise costs or the unknown impacts on your estate.
Moving to a retirement community should feel exciting, not overwhelming.
Our RFS Advice team know the ins and outs of retirement communities to help you
make informed decisions that are right for you.
Frequently asked questions
Retirement villages involve independent living with upfront and ongoing fees, while aged care facilities provide government-supported care. Our aged care specialists help clients choose the best option based on their financial situation.
Smart financial planning includes optimising superannuation, managing investments and structuring assets to cover aged care fees. Our Gold Coast financial advisers offer tailored strategies to ensure long-term affordability.
Exit fees vary by provider and can significantly impact wealth preservation. Our financial planners help clients analyse costs and make informed financial decisions.
Yes, our experienced financial planners can help you with downsizing strategies, tax-efficient property sales and reinvesting proceeds to secure financial stability.
Superannuation plays a crucial role in funding retirement community living and ensuring financial security. Our financial planners help clients optimise their superannuation for a comfortable retirement.
What Clients Are Saying About Us
- Get started
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