Supporting a Family Through a Complex Aged Care Transition
(Aged Care Strategy + Portfolio Structuring for Stability)
Meet the Harper Family
The adult children of Mr and Mrs Harper approached us when their father’s health declined rapidly and residential aged care was likely needed within weeks.
Their concerns were significant:
• How to fund the large RAD (Refundable Accommodation Deposit)
• How to cover ongoing aged care fees
• How to ensure their mother — who would remain living at home — still had enough cashflow, flexibility and security
• How to manage their parents’ investments and estate planning amidst all the change
They felt overwhelmed and were worried about making the wrong decision under pressure.
The Solution
We worked with the family to map out a clear plan that allowed the RAD to be funded effectively without compromising the mother’s long term financial position.
The strategy included:
• restructuring assets to reduce ongoing aged care costs,
• improving estate outcomes for the family,
• securing the upfront RAD requirement, and
• repositioning the remaining investments into a more stable, purpose built structure.
By using our Bespoke SMA approach, the mother’s portfolio was adjusted to provide predictable cashflow, lower risk, and ongoing flexibility — ensuring she could remain comfortably at home.
The Benefits for the Harper Family
✔ A workable plan to fund the RAD and care fees
The family gained clarity and confidence at a time of stress and urgency.
✔ Lower ongoing aged care costs
The strategy helped reduce financial pressure over the long term.
✔ A secure financial position for the parent remaining at home
She retained the cashflow and liquidity she needed while still preserving long term financial stability.
✔ A portfolio aligned to new priorities
Their Bespoke SMA ensured investments were professionally managed, lower risk, and better suited to aged care funding needs.
✔ Peace of mind in a difficult period
Clear advice allowed the family to focus on their father’s wellbeing rather than financial complexity.
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