Aged Care SOA Drafting.
$400. 48 Hours.
Calculation-accurate. Legislation-grounded.
Delivered to your inbox — not your calendar.
Aged Care advice takes 15 hours.
Most of that time is not
spent on the client.
The means test alone — MPIR, RAD/DAP waterfall, Primary Residence Exemption, Centrelink deeming — requires precise sequential calculation before a single word of strategy can be written. One figure wrong cascades through everything downstream.
For most boutique practices, that calculation burden falls on whoever is least busy, or most capable, or both. The result is a queue. The queue becomes a reason to refer out Aged Care cases entirely — and with them, the advice margin.
There is another option.
Keep the case.
Keep the margin.
A referred Aged Care case typically carries an advice margin of $3,000–$5,000. At $400 per file, you keep that margin — and you remove the 15-hour calculation burden that made referring it out feel rational.
There is no platform to learn. No CRM integration. No Xplan login requested. You send me a completed fact-find and qualitative context. I run the calculation. You receive a structured, legislation-grounded SOA draft within 48 business hours of receipt of a complete brief.
"The math does not guess. Every figure traces back to a named government rate, checked against current legislation. When thresholds change — and in 2025 and 2026, they changed significantly — the output reflects it."
This service operates on a PII-free basis. Before any data enters the calculation engine, client names, TFNs, and personally identifiable fields are redacted. Nothing is retained after delivery. No data is uploaded to a cloud model or used to train any AI system. I do not require access to your Xplan, CRM, or any practice management platform. The only inputs required are a completed fact-find and qualitative context provided by you.
Send me your next
Aged Care file.
If you have an Aged Care case that falls within scope, send me the fact-find with client name redacted. I will run the calculation and return the full SOA draft at no charge. No commitment. No discovery call. The output speaks for itself.
What I cover.
What I do not.
- Age Pension means testing — asset test and income test, singles and couples
- Aged care fee calculations under the November 2025 reforms — HSC, NCCC, DAP, Basic Daily Fee
- RAD optimisation — finding the funding amount that maximises pension while maintaining client liquidity
- Primary Residence Exemption — impact modelling for retaining versus selling the family home
- Centrelink deeming — financial assets, account-based pensions, annuities
- Illness-separated couple assessment
- Cashflow projection — net position after all fees, tax, and pension income
- Self-Managed Superannuation Funds (SMSF)
- Complex family trusts
- Business succession planning
- Defined benefit schemes
- Files with incomplete fact-finds (returned unfilled)
Precise. Auditable.
Current.
The calculation behind an Aged Care SOA is not complex because it is difficult to understand. It is complex because it is precise — a sequential waterfall of government-mandated figures, each one dependent on the last, each one subject to legislative change without notice.
The calculation runs deterministically. The same inputs produce the same outputs every time. Every figure in the output traces back to a specific government rate or threshold, named and sourced. There is no estimation and no rounding logic. The narrative sections are drafted by me, informed by the calculation output, and reviewed before delivery. The math and the words are produced separately — so the numbers are never interpreted, estimated, or paraphrased by anything other than the legislation they come from.
Government rates are monitored. When a threshold changes — and in 2025 and 2026 they changed significantly — the engine is updated and the output reflects current legislation. You are not working from a snapshot. You are working from a live rate table.
A complete SOA draft —
from fact-find to
final document.
The following is an illustrative SOA prepared for a fictional client. Names and identifying details are constructed for demonstration purposes. The calculations, waterfall methodology, and compliance language reflect actual output.
This is what arrives in your inbox within 48 business hours.
The person
behind the calculation.
I am completing a Graduate Diploma in Financial Planning at Kaplan Professional, currently maintaining a high distinction average.
My understanding of Aged Care advice did not come from sitting across the table from clients. It came from working directly inside a large Australian financial services institution — speaking with advisers, their support staff, and their clients daily, close enough to see exactly where the time went. Not into advice. Into the manual calculation of means tests, fee structures, and Centrelink interactions that have to be right before a single sentence of strategy can be written.
I also studied it. Every threshold in the calculation engine, every fee waterfall, every legislative rule is grounded in the same curriculum that prepares financial planners for practice. I hard-coded it — not because I do not trust the legislation, but because I do not trust human memory to retrieve the right figure under pressure, every time.
My intention is straightforward. A client in their seventies navigating residential aged care deserves an adviser who is fully present in that conversation — not one who is mentally recalculating a means test. I handle the calculation. You handle the client.