Aged Care Planning (In Partnership with External Specialists)
Navigate Aged Care with Financial Clarity
The costs and complexities of aged care can be overwhelming. We work alongside aged care specialists to help you understand your options and make informed financial decisions.
Navigating aged care options can be overwhelming, especially when emotions, finances, and family needs all come into play. At Paul Melling Retirement Planning, we offer clear, compassionate advice to help Melbourne retirees and their families make confident decisions about aged care. Whether you’re planning ahead for yourself or supporting a loved one, we help you understand the costs, government entitlements, and financial strategies available — so you can choose the right path with clarity and support.
Our aged care planning services are tailored to your unique situation, ensuring your retirement strategy accommodates future care needs without compromising your lifestyle or estate plans. From maximising Centrelink benefits to structuring assets for affordability, we simplify complex aged care rules and help you feel prepared. With decades of experience advising self-funded retirees across Melbourne, we’re here to ensure aged care is part of your plan — not a financial surprise.
How We Support You
Understanding Aged Care Costs
Navigate government subsidies, fees, and out-of-pocket expenses.
Financial Planning for Aged Care
Maximise your retirement income while ensuring tax efficiency.
Maximising Government Benefits
Assistance in applying for available financial support.
Transitioning to Aged Care
Guidance on selling assets, downsizing, or restructuring finances.
Frequently Asked Questions
Everything You Need to Know – Right Here!
We specialise in helping self-funded retirees and individuals who are close to retirement. Our services are designed for those with a minimum investment portfolio of $1,000,000, though exceptions apply for clients with an existing CFS FirstChoice Account.
Our office is at 1/486 Lower Heidelberg Road, Heidelberg VIC 3084. However, we assist clients across Australia, offering flexible consultations via phone and online meetings.
We are a family-owned business that prioritises long-term relationships and personalised financial solutions. As a member of Family Business Australia, we are committed to integrity, transparency, and expert advice.
Yes, we work with external specialists to provide estate planning and aged care solutions, ensuring that your financial and legal affairs are in order.
Simply contact us to schedule a consultation. We’ll discuss your financial situation, retirement goals, and the best strategies for securing your future.