Michelle Abela

Helping you understand aged care costs, options, and financial implications.
Michelle Abela Financial Advisor
Individuals and Families:
Price:

1 hour $420

Michelle Abela can share knowledge about:

  • Understanding aged care fees and charges
  • Financial options for accommodation payments (RAD, DAP, or combinations)
  • Maximising government subsidies and pension entitlements

 

  • Centrelink documentation and assessments
  • Planning for ongoing care costs
  • Current and future aged care expenses

About Michelle Abela

I understand that making financial decisions around aged care can feel overwhelming and emotionally draining. Families often face the pressure of navigating this complex system while also caring for a loved one or dealing with emergency needs. Whether you’re trying to figure out whether selling the family home is the right move, how much you can expect to pay, or what the different fees and charges mean, I’m here to provide clarity and guidance at every step.  There are so many moving parts and things which can impact the fees you pay and mistakes can be costly – and once you’ve accepted a place, too late to change.

Aged care is an area that often requires quick decisions—ones that can significantly impact not only the care of your loved one but also the financial stability of the entire family. I’m here not to sell you financial products or make decisions for you, but to give you the clear, information you need to make the best choices for your circumstances. Think of me as the bridge between confusion and understanding. My goal is to break down complex concepts into something straightforward and manageable, so you can move forward with confidence.

This consultation is about arming you with the knowledge you need to make an informed decision.  I an help at any stage of your journey but ideally for you, before you commit to a place at an aged care home, so you make the best decision for you.

Having worked in the financial sector and specialising in aged care finances for many years, I’ve seen how stressful and confusing this process can be for families. I’ve worked with countless people who’ve felt stuck, unsure whether they’re making the right decision for their future. By the end of our time together, they’ve left with clarity, understanding the costs involved, and feeling empowered to make informed choices.

My approach is personal, patient, and practical. I guide you step by step through your options, from accommodation payments and means-tested fees to understanding Centrelink assessment requirements. My aim is to share my knowledge so you can make the right decisions for your situation without the added stress of having to become a financial expert yourself.

If you’re worried about costs, confused about your options, or need someone to explain the ins and outs of aged care finances, I’m here to help. Together, we’ll make sure you have the understanding you need to make informed, confident decisions about your future or the future of your loved one.